Welcome to Swift Loans

Swift Loans is the best place to go for online cash loans.

We are the experts in fast cash loans offering loans from $200
to $2000. All you have to do is fill out our quick and easy
online loan application form, and well do the rest.
Theres no paperwork for you to fill out, and well let you know
how much quick cash you may be able to borrow within a
matter of minutes. Often you need money fast, so once
approved, well transfer the cash loan from our account within
the hour*. Whats more, we give you the option of repaying
over either 4, 8 or 12 weeks so that you can be comfortable
that your short term loan wont be a burden.

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How it works
Theyre Fast and Easy Loans!

1. Apply online.
You can apply online 247 from your mobile device or computer. The
process is really fast and easy.

2. Verify your income and expenses.

Once you have met the initial eligibility requirements we then verify your
income and expenses. Amongst other things, we review your most
recent 90 days of bank transaction history. We use the services of a
secure, reputable, external company, to help us with this.
As our application process is 100% online, we can only accept
applications via our website, and we do not accept bank statements via
fax or email.Our bank statement provider is regularly adding new banks
to their service.

3.Approval.
We will then call you on the mobile number that you provide in your

4. Confirm your loan.

If youre satisfied, click the Confirm button and "I agree" to the
Terms & Conditions of the Loan Contract.

5. We transfer you the money from our account in under

60 minutes!
We always aim to transfer the loan funds from our bank account
within 60 minutes of receipt of signed contract, if during AEST
standard bank hours. The processing of, and subsequent deposit
into your account, will always be subject to your financial
institution, which is outside of our control.

6. Simple Direct Debit.

When your application is complete, well provide a simple Direct
Debit payment form for you to complete so that your Swift Loans
repayments happen when theyre due, with no extra work from
you!

When you become a VIP Swift member the process is even

If your loan is approved by us, you will receive an email with a link to your
loan offer.
Using the link that we send you, you then login to our website, check that
you are satisfied with the details of our offer, and click "Submit" at the
bottom of each webpage.
COST
When you keep to up-to-date with your repayment schedule you will only
be charged:
The loan establishment fee of 19.99% and,
The monthly account maintenance fee of 3.95%
Direct Debit fees will be paid directly to the direct debit provider (Ezidebit
Pty Ltd) as follows:
An Administration Fee at the start of your loan of $2.20 to set-up your
direct debit account
A direct debit processing fee of $1.10 per transaction
In the event that a direct debit fails, an $11.90 dishonor fee.
(NB. Swift Loans Australia Pty Ltd does not make any money from these
direct debit fees).

Other fees and charges.

Dishonoured payment Fee:

$14.50 payable to us on the dishonouring of any direct debit or
failure to make payment in accordance with the terms of this
agreement.

Direct Debit Reschedule Fee:

$14.50 payable to us each time a change is made to your direct
debit arrangements when in default.

Debt Recovery Field Call:

The costs incurred on any necessary field call when your account is
in arrears will be passed onto you.

Enforcement Expenses:
The costs incurred in the recovery of the outstanding amount when
you are in default under the agreement, will be passed onto you.

Statement Fee:
$7.00 each time on the provision of an account statement other
than when required by law.

Debt recovery:
Finally, if we cant remedy a default by you we will charge you the

$7.00 payable to us each time we issue you with a notice of default when
you fail to make a repayment in accordance with your loan repayment
schedule.

Missed payment follow-up phone call/email/letter/SMS:

$7.00 payable to us each time we have to organize, prepare and
call/email/mail/SMS you for failing to make a scheduled repayment in
accordance with your loan repayment schedule.
Term of Loan.
At Swift Loans we don't believe that you should take out long-term loans
to fix short-term problems. However, we do know that you need some
flexibility, that is why we offer three loan repayment terms - 4, 8 or 12
weeks.
We like to ensure that all loan fees are very transparent, so that you can
make informed decisions about your ability to repay before you proceed
with a loan. To see how much you may qualify for, and to see an example
of the loan repayments and fees and charges over a 4, 8 or 12 week term,

Early repayment of loan.