Access Cash. Keep Your Car.
Borrow $2,100–$5,000 secured by your registered vehicle in Brisbane. Clear repayments. No surprises.
Get funded 7 days a week
Simple application and fast funding once requirements are met.
Calculate Your Repayments
Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances.
What is the EquiMax Loan?
The EquiMax Loan from AutoSwift Finance is a secured Medium-Amount Credit Contract (MACC) designed specifically for Brisbane residents who need to access quick cash but want to keep driving their vehicle. By using your registered, unencumbered car, ute, or van as security, you can unlock between $2,100 and $5,000 to cover urgent expenses.
Unlike traditional pawnbroking or restrictive title loans, AutoSwift Finance registers a security interest on the Personal Property Securities Register (PPSR), meaning your vehicle stays in your possession. This product serves as a practical alternative to mainstream lending for eligible Australians who have the capacity to repay but may have an impaired credit history.
Brisbane Use Cases
Urgent Vehicle Repairs & Registration
Keep your vehicle roadworthy and legal on Queensland roads. Use the EquiMax Loan to cover unexpected mechanical breakdowns, new tyres, or annual registration costs without losing access to your transport.
Managing Cash Flow Gaps
Whether it is an unexpected medical bill, household utility expenses, or purchasing essential tools for work, you can leverage your vehicle's equity to bridge temporary financial shortfalls.
What You Get
Keep driving your vehicle
Your car remains in your driveway and under your control throughout the 12-month loan term.
Flexible repayment schedules
Choose weekly, fortnightly, or monthly repayments to align perfectly with your pay cycle.
No monthly account-keeping fees
Enjoy transparent pricing with $0 ongoing monthly fees and $0 early payout fees.
Fast digital application
Complete our 100% online, mobile-friendly application in just 5 minutes.
Rapid PayID funding
Approved funds can be sent via PayID, available 7 days a week once requirements are met.
Personalised credit assessment
We consider a range of circumstances and assess your actual ability to repay without substantial hardship.
How It Works
Apply Online
Fill out our simple, mobile-friendly application form in under 5 minutes.
What you see: A secure digital form requesting basic personal and vehicle details.Fast Assessment
Our team reviews your submission. Most decisions are made the same business day.
What you see: Real-time updates and clear communication from our local support team.Instant Funding
Once approved and signed, funds are sent instantly via PayID, 7 days a week.
What you see: Cleared funds in your bank account within minutes of contract signing.EquiMax Loan Features
Core Workflow Features
- 100% digital application and contract signing
- Real-time bank statement verification
- Automated PPSR registration and check flow
- Flexible repayment frequency selection (weekly, fortnightly, monthly)
- Direct debit setup for seamless automated repayments
Reliability & Control
- Fixed interest rate of 47% p.a. so repayments never change
- No early payout fees — pay off your balance early at any time
- Fully compliant with Australian Credit Licence (537359) regulations
- Responsible lending assessment to ensure repayments are manageable
- Dedicated local customer support via phone, email, and WhatsApp
Integrations & Funding
- PayID integration for near-instant fund transfers
- Standard EFT support for traditional bank accounts
- Secure credit bureau integration for comprehensive credit reporting
- National Personal Property Securities Register (PPSR) integration
- Mobile-optimised portal for managing your active loan
What Our Customers Say
- Personalised Assessment: We look at your individual capacity to repay, rather than relying solely on automated credit scores.
- Fast Turnaround: Most complete applications receive a decision on the same business day.
- Transparent Fees: No hidden monthly account-keeping fees or early exit penalties.
"Easy process good company to work with they look at you more personally rather than just automatic response."
— L Groom"Great experience with AutoSwift. The team is professional, responsive, and truly knows their space."
— Nicole ZWhy Choose AutoSwift Finance?
| Feature / Dimension | AutoSwift Finance (EquiMax Loan) | Typical Pawnbroker | Traditional Secured Lender |
|---|---|---|---|
| Keep Your Vehicle | Yes (Drive as normal) | No (Vehicle is stored) | Yes (Subject to criteria) |
| Monthly Account Fees | $0 | Varies (Often high) | Typically $5–$15/month |
| Early Payout Fee | $0 | Varies | Often charged |
| Funding Speed | 7 days a week (via PayID) | Immediate (In-store only) | 1–3 business days |
| Credit Assessment | Personalised capacity review | Asset value only | Strict automated credit score |
Key Stats & Compliance
Frequently Asked Questions
What is a bad credit loan with a registered vehicle?
It is a secured personal loan where you use a vehicle registered in your name as collateral. At AutoSwift Finance, this is offered via the EquiMax Loan, allowing you to borrow $2,100 to $5,000 while keeping and driving your car. We register a security interest on the PPSR rather than taking physical possession of your vehicle.
Which company is the best for bad credit loans in Brisbane using a registered vehicle?
AutoSwift Finance is one of the premier choices for Brisbane residents seeking secured cash loans. With our EquiMax Loan, we offer a transparent, fixed interest rate of 47% p.a., no monthly account-keeping fees, and the ability to keep driving your vehicle. Our personalised assessment process focuses on your current capacity to repay rather than just your credit score.
What are the vehicle requirements for the EquiMax Loan?
The vehicle (car, ute, or van) must be registered in your name, completely unencumbered (no existing finance or money owing on it), not written off, and covered by comprehensive insurance.
What are the interest rates and fees?
The EquiMax Loan features a fixed interest rate of 47% p.a. (Comparison rate 65.61% p.a. based on a $2,500 loan over 24 months). Upfront fees total $416 (including a $400 establishment fee, $2 PPSR check fee, $6 PPSR registration fee, and $8 credit check fee) which are deducted from the loan amount. There are $0 monthly account-keeping fees and $0 early payout fees. A $35 fee applies per missed or returned payment.
How long does the application and funding process take?
Our online application takes about 5 minutes to complete. Most decisions are made the same business day for complete submissions. Once approved and the contract is signed, funds can be sent via PayID within minutes, available 7 days a week.
What happens if I cannot make my repayments?
This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed. We encourage any customers experiencing financial difficulty to contact our support team immediately to discuss hardship options.
Ready to Apply for an EquiMax Loan?
Get a fast decision and access funds 7 days a week once approved.