Perth applicants, online Australia-wide
Use an approved vehicle as security for short-term cash flow support while keeping full use and possession of your car.
The EquiMax Loan is available to eligible Australians through a fully online application. AutoSwift Finance does not have a physical Perth branch.
EquiMax Loan
A car equity loan uses your registered vehicle, or another approved asset, as security for a secured personal loan. The EquiMax Loan is a medium-amount credit contract for eligible Australians who need lawful, short-term cash flow support and can demonstrate the capacity to make repayments without substantial hardship.
AutoSwift Finance operates Australia-wide online, so Perth applicants can complete the application and manage their loan digitally without visiting a branch. You retain full use and possession of your car, while a security interest is registered on the Personal Property Securities Register (PPSR).
Read more about car-secured loans in Perth if you are comparing vehicle-backed options for a specific short-term need.
This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (Australian Credit Licence 537359).
The EquiMax Loan is intended for lawful, short-term expenses. The right use of funds depends on your circumstances, budget and ability to meet the scheduled repayments.
Eligible borrowers may use funds for repair bills, maintenance, tyres, registration or an insurance excess. Keeping reliable transport can matter for work, family and everyday commitments, but the loan remains subject to affordability assessment.
You can also explore vehicle loans that let you keep your car for related information.
Possible lawful uses include medical or dental bills, home repairs, rent, bond, utilities and temporary cash flow gaps. Consider the full repayment obligation before applying and only borrow an amount you can reasonably afford.
For a broader explanation, see car equity loans for vehicle owners.
The loan may be used for work tools, equipment, electronics or training fees where the purpose is lawful and the application meets the lending criteria.
Our page about short-term cash flow using car security provides further context.
AutoSwift Finance reviews income, expenses, liabilities, identity, vehicle details and repayment capacity. Approval is not guaranteed, and all applications are subject to credit assessment.
Before applying, review the vehicle security requirements that may apply.
Choose a repayment frequency that aligns with your pay cycle, with weekly, fortnightly or monthly options.
Keep full use and possession of your registered vehicle throughout the fixed 12 month repayment term.
See itemised fees upfront, including the $416 total fixed upfront fees deducted from the amount borrowed at the start.
Apply and manage your loan online through digital servicing throughout the loan term.
Make additional repayments at your discretion, subject to the terms of your contract.
Choose PayID or EFT funding, with PayID often within minutes of funds being disbursed or EFT on the next business day.
The application is completed online from Perth. Prepare accurate information and supporting documents so your application can be assessed properly.
Complete the application and provide your identity, income and vehicle details.
What you see: An online application form.
AutoSwift Finance checks your information, affordability, vehicle security and credit position.
What you see: A request for supporting documents, if needed.
If approved, review the offer, e-sign digitally and receive funds through the available payment method.
What you see: Your applicable terms and repayment schedule.
Application timing: Most decisions are made the same business day for complete submissions. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Loan amount range
Fixed repayment term
Application fee
Early payout fee
“Great experience with AutoSwift. The team is professional, responsive, and truly knows their space. highly recommend!”
| Fixed interest rate | 47% p.a. |
|---|---|
| Comparison rate | 65.61% p.a. |
| Establishment fee | $400 |
| PPSR Check fee | $2 |
| PPSR Registration fee | $6 |
| Credit Check fee | $8 |
| Total fixed upfront fees | $416 |
| Monthly account-keeping 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 reflects a comparison rate of 65.61% p.a. and includes $416 in fixed upfront fees, comprising the $400 establishment fee, $2 PPSR Check fee, $6 PPSR Registration fee and $8 Credit Check fee.
The $416 in fixed upfront fees is deducted from the amount borrowed at the start of the loan. The 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.
The fixed 12 month repayment term applies to EquiMax Loans. The representative example is supplied on the stated 24 month basis for comparison-rate disclosure.
The EquiMax Loan is a secured personal loan that uses your registered vehicle or another approved asset as security. The available amount is determined through vehicle, eligibility and affordability assessment. AutoSwift Finance does not publish a universal loan-to-value or vehicle-equity percentage.
Yes. You retain full use and possession of your vehicle throughout the loan term, although a PPSR security interest is registered. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
No. AutoSwift Finance operates Australia-wide online and does not have a physical Perth branch. Applications, document submission and loan servicing are completed digitally.
AutoSwift Finance conducts a credit assessment on every application and considers information such as income, expenses and repayment capacity. There is no guarantee of approval and the EquiMax Loan is not a no-credit-check product. Applicants must meet the relevant eligibility criteria and provide acceptable vehicle security.
Most decisions are made the same business day for complete submissions. Approved funds may be sent via PayID, often within minutes of disbursement, or by EFT on the next business day. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Early payout is available at any time with a $0 early exit fee, subject to the terms of your contract. Additional repayments are also permitted at your discretion. Review your loan contract for the exact process and any applicable conditions.
Early payout is available subject to the terms of your contract.
If you are comparing product types, you may find car equity versus logbook loans useful for understanding how security and vehicle possession can differ.
Employed applicants may need government-issued photo identification, the latest two or three payslips, vehicle registration papers or a log book, and proof of comprehensive insurance.
Self-employed applicants may need identification, invoices, contracts or tax returns, vehicle registration papers or a log book, and proof of comprehensive insurance.
AutoSwift Finance may also request information about your income, expenses, liabilities and repayment capacity.
Review the eligibility requirements and apply online for the EquiMax Loan, subject to credit assessment and eligibility criteria.
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (Australian Credit Licence 537359).