Frequently Asked Questions

You are more likely to be eligible if you are 18+, live in Australia (Citizen, permanent resident or valid visa), have been in paid work for at least 3 months, and own a car you can use as security.

There is no set minimum score. We look at the full picture - income, expenses and how you have managed credit.

Sure you can. We will focus more on your income and whether the repayments are affordable. Approval is not guaranteed.

Between $2,100 and $5,000, depending on your situation and the value of your car.

Our standard term is 12 months. You can pay out early with no early payout fee.

Of course! Your car is used as security - you keep driving it as normal. We may register a security interest (for example, on the PPSR).

Yes. We will look at all your existing repayments and only approve the loan if we think it is affordable.

Past issues do not automatically knock you back. What matters most is your current situation and ability to repay.

We can't promise "guaranteed approval" or skip checks — under Australia's responsible lending laws, we need to confirm your details and make sure the loan is right for you and within your budget.

Only sometimes. If we cannot clearly confirm your job or income from what you send us, we may call your employer or payroll department to verify details. Relax, we do not discuss your loan in detail with them.

Use our online form, or message us on WhatsApp. We will ask for a few details about you, your income and your car.

We move as fast as we can. If you send all required info quickly, many customers get an outcome the same business day.

Reply to our SMS/email, or message us on WhatsApp. We will tell you what stage it is at and if we need anything else.

If approved, we will send a secure link by SMS/email so you can review and e-sign on your mobile or computer.

Usually, we allow one active loan at a time. In some cases, you may be able to refinance or top up later, subject to a new assessment.

- Most recent bank statements - Two forms of ID (Australian driver's licence, Australian passport, Medicare card, or eligible Australian visas). - Current Car Registration Document (showing VIN number and registered owner) - Proof of income (if required) – payslips or similar

*We may ask for additional documents to better understand your situation.

You'll need an Australian bank account in your own name. We use it to review your banking history during assessment, and to pay funds to you if you're approved. You can share statements from multiple banks. We'll then nominate one primary account (usually the one you use most) to handle all transactions with us — including funding the loan and scheduled repayments.

After approval and e-signing, we send funds to your Australian bank account. Where possible we use PayID. Otherwise, EFT usually arrives within 1 business day, depending on your bank and the time you sign.

Repayments are made by direct debit. You can usually choose weekly, fortnightly or monthly to match your pay cycle (subject to approval).

If a payment is missed or a direct debit is dishonoured, a fee may apply and it could affect your credit file. If you think you might miss a payment, get in touch early - we will talk through your options.

In Australia, lenders must hold an Australian Credit Licence (537359) and have an ABN (19 655 850 409). You can check these on the ASIC registers. We show our licence and business details in the website footer and credit documents.

- Business hours: 9:00am–5:00pm, Monday to Friday (AEST Time) - Apply online or on WhatsApp anytime - we will pick it up next business day if it is after hours. - Call: 1300 894 686 - Email: cs@autoswift.com.au - Mail: PO Box 2269 Sydney NSW 2001

Note: Weekends and public holidays can affect assessment and bank transfer time.