Access Cash Secured by Your Vehicle for Eligible Australians Without Surrendering Your Car

The EquiMax Loan by AutoSwift Finance lets you borrow between $2,100 and $5,000 against your registered vehicle with a fixed repayment schedule.

Apply Now Check Eligibility

✓ 5-minute online application ✓ Keep driving your car ✓ Fixed interest rate of 47% p.a.

*Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.

Calculate Your Repayments

Use our calculator to estimate your potential commitment.

Loan Amount $3,500

Loan Term: 12 months

$95

Estimated Repayment

weekly

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Warning: Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.

What Is a Personal Loan with Car as Security?

A personal loan with car as security is a structured financial product where an eligible borrower uses their registered vehicle as collateral to secure funding. Unlike traditional unsecured options, this model allows lenders to consider a wider range of financial profiles by mitigating risk through the asset.

With the EquiMax Loan offered by AutoSwift Finance, you can access between $2,100 and $5,000 for short-term cash flow needs. The key advantage is that you retain full use of your vehicle throughout the 12-month loan term, ensuring your daily routine remains completely uninterrupted while you make structured, predictable repayments.

When considering using your car as collateral, it is important to understand that this is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed. AutoSwift Finance conducts thorough responsible lending assessments to ensure the loan is affordable and does not cause substantial hardship.

What You Get

The EquiMax Loan is designed to provide a transparent, flexible alternative to mainstream lending, tailored specifically for everyday Australians.

Keep Driving Your Vehicle

Maintain full access and use of your registered car while actively repaying your loan.

Enjoy Zero Monthly Fees

Benefit from transparent pricing with absolutely no ongoing monthly account-keeping fees.

Receive Fast Decisions

Get outcomes quickly, with most decisions made the same day for complete submissions.

Access 7-Day Funding

Receive approved funds via PayID, available seven days a week once all requirements are met.

Repay Early with No Penalty

Make additional repayments or settle your contract early with no early payout fees.

✓

Address Urgent Expenses

Use funds designed to act as emergency cash loans for car repairs, bills, or medical costs.

How It Works

Our streamlined digital process is built to respect your time, providing clarity at every stage of your application.

Step 1

Apply Online

Complete our mobile-friendly 5-minute application form from any device, anywhere.

What you see: A secure digital portal requesting basic personal and vehicle details.

Step 2

Credit Assessment

We assess your ability to repay without substantial hardship, looking beyond just credit scores.

What you see: Real-time updates as we provide access to online loans for bad credit profiles by focusing on current affordability.

Step 3

Fast Funding

Once approved and requirements are met, funds are transferred rapidly via PayID.

What you see: A clear digital contract followed by direct electronic transfer to your account.

Use Cases

Australians use the EquiMax Loan to manage a variety of urgent, short-term cash flow needs.

Car Repairs & Maintenance

Keep your vehicle safe and roadworthy. Cover unexpected mechanical breakdowns, tyre replacements, or major service bills without delay.

Registration & Insurance

Avoid driving unregistered. Pay your annual registration fees or insurance excess upfront and manage the cost over structured terms.

Household Utility Bills

Manage temporary cash flow gaps when quarterly electricity, gas, or water bills arrive simultaneously, avoiding late fees.

Medical & Dental Costs

Address sudden healthcare expenses, prescriptions, or emergency dental procedures immediately, prioritizing your family's well-being.

Work Tools & Equipment

Purchase or replace essential tools of your trade. Ensure you have the equipment required to maintain your daily income.

Rental Bond Assistance

Secure your next home. Cover upfront bond payments, often requiring same-day online cash loans to resolve immediate cash flow gaps.

Features

A closer look at the structure, compliance, and flexibility built into the EquiMax Loan.

Core Workflow Features

✓ Fully digital, mobile-friendly 5-minute online application flow.
✓ Secure bank statement retrieval for rapid financial verification.
✓ Real-time application status updates sent directly to your device.
✓ Electronic contract signing for instant, paperless execution.
✓ An alternative to traditional small loans for bad credit that carry high hidden fees.

Reliability & Control

✓ Fixed interest rate of 47% p.a. ensuring your repayments never increase.
✓ No ongoing monthly account-keeping fees to inflate your outstanding balance.
✓ Flexible repayment schedules aligned with your pay cycle (weekly, fortnightly, or monthly).
✓ Freedom to make additional repayments at your discretion without penalty.
✓ Early payout is available subject to the terms of your contract.

Compliance & Security

✓ Operated by Koala Enterprises Pty Ltd holding Australian Credit Licence 537359.
✓ Rigorous responsible lending checks to ensure the loan is affordable for you.
✓ Secure PPSR registration to protect your asset's security status.
✓ Proud member of the Australian Financial Complaints Authority (AFCA).
✓ Strict data encryption protocols protecting your personal and financial information.

Proof

We consider a range of circumstances. Below are illustrative scenarios demonstrating how we assess and assist eligible Australians:

Scenario A: Credit Rebuilder (Rental Bond)

Credit Profile: Low 300s

A customer with stable employment and consistent on-time repayments across all commitments needed a rental bond. While a lump sum upfront wasn't feasible, ongoing instalments were well within their capacity. AutoSwift Finance assessed their current behavior, helping them secure secured cash loans when they needed them most.

Scenario B: Non-Citizen Holiday Loan

Credit Profile: 374

A non-citizen with stable employment and healthy cash flow fell outside typical lending profiles. AutoSwift Finance assessed their visa status against the loan term coverage and approved the EquiMax Loan where affordability and visa conditions were clearly met.

Scenario C: Urgent Funeral Costs

Credit Profile: High 200s

A customer with stable income and a solid repayment track record needed to cover urgent funeral costs. AutoSwift Finance worked closely with them to gather documents quickly, completed responsible lending checks, and funded the loan the same day once requirements were met.

"I needed to cover an urgent car repair to get to work. Traditional lenders turned me down because of my credit history, but AutoSwift Finance looked at my current stable income and approved my EquiMax Loan. I kept my car and sorted the bill."

— Verified EquiMax Loan Customer

Why AutoSwift Finance vs Alternatives

See how the EquiMax Loan compares to typical mainstream lenders and unsecured short-term options.

Feature	AutoSwift Finance (EquiMax Loan)	Typical Mainstream Lender	Unsecured Short-Term Lender
Keep Your Car	Yes (Drive while repaying)	Yes (No collateral)	Yes (No collateral)
Credit Assessment	We consider a range of circumstances	Strict credit score cut-offs	High-interest payday model
Repayment Structure	Fixed interest rate & clear terms	Variable rates	Compounding interest & fees
Funding Availability	7 days a week (via PayID)	Business days only	Business days only
Monthly Fees	No monthly account-keeping fees	Varies ($5–$15/month)	High ongoing fees

Credentials & Key Stats

AutoSwift Finance operates under strict regulatory frameworks to ensure consumer protection and responsible lending.

$2,100–$5,000

Loan Range Available

12 Months

Fixed Loan Term

47% p.a.

Fixed Interest Rate

under 1 hour approval*

For Many Applications

Frequently Asked Questions

Quick, transparent answers to common questions about our car-secured loans.

What is a personal loan with car as security?

A personal loan with car as security is a type of secured finance where you use your registered vehicle as collateral. With the EquiMax Loan from AutoSwift Finance, you can borrow between $2,100 and $5,000. You keep driving your car while making fixed repayments. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.

How does AutoSwift Finance assess applications for those rebuilding credit?

We specialize in providing low credit score options through our EquiMax Loan. Rather than focusing solely on past credit history, we assess your current stable employment, income, and ability to repay the loan without substantial hardship. All applications are subject to credit assessment and eligibility criteria.

Are there any hidden fees or monthly account-keeping fees?

No. AutoSwift Finance is committed to transparent pricing. There are no ongoing monthly account-keeping fees. Typical fees include an establishment fee of $400, and a credit check & PPSR fee of $16. A dishonour fee of $35 applies if a repayment is missed.

Can I pay off my EquiMax Loan early?

Yes. Early payout is available subject to the terms of your contract. AutoSwift Finance does not charge early payout fees, allowing you to save on interest if you choose to settle your balance ahead of schedule.

How fast is the application and funding process?

Our online application takes about 5 minutes to complete. Most decisions are made the same day for complete submissions. Once approved and requirements are met, funding is available via PayID 7 days a week. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.

What interest rate and comparison rate apply to the EquiMax Loan?

The EquiMax Loan features a fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details. The comparison rate is 65.61% p.a. based on a $2,500 loan over 24 months.