Online car equity loans for Brisbane residents
AutoSwift Finance lets eligible Australians apply online for the EquiMax Loan using an approved vehicle or asset as security, while retaining possession of their car.
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (Australian Credit Licence 537359).
A car equity loan is a secured loan that uses an approved vehicle or asset as security for borrowed funds. With AutoSwift Finance, the EquiMax Loan is designed for eligible Australians who need short-term cash flow support and can provide acceptable security registered in their name.
The vehicle remains in your possession and you can keep driving it throughout the fixed 12 month repayment term. A PPSR security interest is registered against the approved vehicle, and repayment obligations continue under the loan contract.
Important secured-loan information
This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
AutoSwift Finance operates online across Australia, including Brisbane and Queensland. There is no claim of a physical Brisbane branch, so the application and digital loan management process can be completed online.
Start an online applicationThe approved vehicle stays with you during the loan term. You can continue using it for normal travel, work and daily responsibilities, subject to meeting your repayment obligations.
understand keep-driving loansPermitted purposes include car repairs, registration, tyres, insurance excesses, medical or dental bills, home repairs, rent, utilities, work equipment, electronics, tools and training fees.
explore eligible cash flow usesIf approved, you receive an offer with the relevant terms and fees disclosed before signing. Digital documents and electronic signing help keep the process online.
review digital loan applicationsThe EquiMax Loan is a medium-amount credit contract for eligible applicants who can demonstrate repayment capacity and provide approved security.
Choose weekly, fortnightly or monthly repayments aligned with your pay cycle.
Continue using the approved vehicle throughout the loan term while the PPSR security interest remains registered.
The fixed upfront fees total $416 and are deducted from the amount borrowed at the start of the loan.
Additional repayments are permitted at your discretion, subject to the contract terms.
Apply online and use digital servicing throughout the loan term.
AutoSwift Finance assesses eligibility, affordability and capacity to repay without substantial hardship.
Applicants generally need to be at least 18, an Australian citizen, permanent resident or eligible visa holder, and have an Australian address, contact number, email address and verifiable income. Applicants must meet credit and affordability criteria, provide approved vehicle security registered in their name, and not be bankrupt, expecting bankruptcy, subject to a current Part IX Debt Agreement or garnishee order.
A vehicle will generally need to be registered in your name, unencumbered, not written off or stolen, and covered by comprehensive insurance. Cars, utes and vans are typically accepted, but vehicles are assessed individually.
check Brisbane applicant requirementsThe online process has four practical stages, from submitting your details to receiving funds after approval and disbursement.
Complete the online application and provide identification, income and vehicle details.
You see a guided digital application.
AutoSwift Finance verifies identity, reviews affordability and conducts a credit assessment.
Your supporting information is reviewed.
If approved, review the offer, fees and contract terms before signing digitally.
You receive a digital loan offer.
Funds may be sent through PayID, often within minutes of disbursement, or by EFT the next business day.
Your chosen funding method is used.
Early payout is available subject to the terms of your contract.
The following figures are provided for transparency. Read the contract and relevant disclosures before deciding whether the EquiMax Loan is suitable for your circumstances.
| Fee | Amount |
|---|---|
| Establishment fee | $400 |
| PPSR Check fee | $2 |
| PPSR Registration fee | $6 |
| Credit Check fee | $8 |
| Total fixed upfront fees | $416 |
| Application fee | $0 |
| Monthly account-keeping fee | $0 |
| Early payout fee | $0 |
| Dishonoured Payment Fee | $35 |
| Reschedule Fee | $25 |
Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.
Based on a loan of $2,500 over 24 months, a borrower can expect to repay a total of $4,510.33. This includes $416 in fixed upfront fees, which are deducted from the amount borrowed at the start of the loan.
This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or loan amounts will result in a different comparison rate.
This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
“Easy process good company to work with they look at you more personally rather than just automatic response.”
L Groom
AutoSwift Finance operates Australia-wide online, including Brisbane and Queensland. You can apply online without relying on a physical Brisbane branch. Applications remain subject to eligibility, affordability and credit assessment.
Yes, the product is designed so the borrower retains possession and use of the approved vehicle throughout the loan term. A PPSR security interest is registered against the vehicle. This is a secured loan, and if you fail to meet your repayment obligations, your secured asset may be repossessed.
A car equity loan is a secured loan that uses an approved vehicle or asset as security. With the EquiMax Loan, eligible applicants can borrow $2,100 to $5,000 and keep using their vehicle. The loan has a fixed 12 month repayment term and requires the borrower to meet the contract obligations.
The fixed interest rate is 47% p.a., and the comparison rate is 65.61% p.a. based on a $2,500 loan over 24 months. Fixed upfront fees total $416, comprising the establishment, PPSR and credit check fees, while the application fee, monthly account-keeping fee and early payout fee are $0.
Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.
The vehicle will generally need to be registered in your name, unencumbered, not written off and not stolen. Comprehensive insurance is also required. Cars, utes and vans are typically accepted, but every vehicle is assessed individually and universal age or kilometre cut-offs are not published.
Most decisions are made the same business day once all supporting documents are received. Funding may be available through PayID, often within minutes of disbursement, or through EFT by the next business day. Application processing times may vary, and approval is not guaranteed or available without credit assessment.
Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
The EquiMax Loan is intended for lawful, short-term cash flow needs and is not designed for ongoing or revolving credit needs, debt consolidation, or meeting arrears or repayments on another credit facility. If you are experiencing financial difficulty, contact AutoSwift Finance about hardship support or seek free financial counselling rather than taking new credit to address existing arrears.
read about responsible borrowingApply for the EquiMax Loan from Brisbane or anywhere else in Australia, subject to eligibility and credit assessment.
Access cash and keep driving
Start an online EquiMax Loan application.