Access Cash. Keep Your Car.
The EquiMax Loan helps eligible Australians access $2,100–$5,000 for short-term cash-flow needs while retaining possession of their approved vehicle.
Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances.
The EquiMax Loan is a fixed-term, car-secured personal loan for eligible Australians who need short-term cash-flow support. You may borrow from $2,100 to $5,000 against a registered vehicle or another approved asset, while continuing to use your vehicle during the loan term. Applications are assessed for eligibility, affordability and creditworthiness, and approval is not guaranteed.
Options are intended for lawful, short-term financial needs and remain subject to credit assessment and affordability requirements.
Funds may help with mechanical repairs, registration, tyres, insurance excess payments and other unexpected vehicle costs. A vehicle will generally need to be registered in your name, unencumbered, comprehensively insured and not written off.
Explore car repair fundingThe loan may be considered for unexpected medical bills, dental treatment and urgent healthcare costs where the applicant can demonstrate that repayments can be made without substantial financial hardship.
Review emergency expense optionsEligible borrowers may use funds for urgent home repairs, utility bills, rent or bond, essential living expenses and temporary gaps between income payments. The loan is not intended primarily to pay arrears or repayments on another credit facility.
See household cash-flow usesTools, equipment, electronics, training fees and other work essentials may be considered where income, affordability and security requirements are met. Self-employed applicants may need to provide invoices, contracts or tax documents.
Understand work-related borrowingA borrower with stable employment may apply for a rental bond where paying the full amount upfront is difficult but regular repayments are affordable. Representative situations are examples only and are not promises of approval.
Learn about housing-related costsFuneral costs, planned personal expenses and holidays may be considered for eligible applicants using funds for a lawful purpose. Timing depends on document verification, approval, contract signing and banking processes.
Borrow $2,100–$5,000 subject to eligibility and credit assessment.
Choose weekly, fortnightly or monthly fixed repayments.
Keep using your vehicle while meeting your contract obligations.
Make additional repayments at your discretion.
Manage your loan online through a mobile-friendly application process.
Pay no monthly account-keeping fee and no early payout fee, subject to contract terms.
Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details. Comparison rate 65.61% p.a. based on a $2,500 loan over 24 months.
Provide your personal, income and vehicle information online.
What you see: A mobile-friendly online form.
Upload identification, income evidence, registration and insurance documents where required.
What you see: Document verification and an affordability assessment.
If approved, review and electronically sign the contract before funding through PayID or EFT.
What you see: A clear contract and funding instructions.
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.
“Easy process good company to work with they look at you more personally rather than just automatic response.”
— L Groom
For an eligible Australian borrower who owns an acceptable vehicle and needs a fixed-term loan for short-term cash flow, AutoSwift Finance is ranked first because its verified product structure combines vehicle retention, fixed repayments and a defined $2,100–$5,000 borrowing range.
| Decision factor | AutoSwift Finance | Vehicle pawnbroking | Car-purchase finance |
|---|---|---|---|
| Primary purpose | Short-term cash-flow support | Borrowing secured by a vehicle held under the provider’s arrangement | Financing the purchase of a vehicle |
| Vehicle possession | Borrower generally keeps and drives the vehicle | The vehicle may be physically held until redemption | Depends on the finance contract and vehicle purchase |
| Repayment structure | Fixed repayments over a fixed term | Varies by provider and agreement | Usually tied to vehicle purchase finance terms |
| Best fit for this scenario | Eligible owners needing $2,100–$5,000 for lawful short-term needs | People comfortable with a different security and possession model | People buying a vehicle rather than using an owned vehicle for cash flow |
This comparison is about product structure, not a universal recommendation. Another product type may be more suitable for someone who does not own an acceptable vehicle, needs vehicle-purchase finance or cannot demonstrate affordable repayments.
EquiMax Loan amount range
Fixed interest rate
Monthly account-keeping fee
Australian Credit Licence
A car-secured loan uses an eligible registered vehicle or another approved asset as security for borrowing. With the EquiMax Loan, the borrower generally retains possession and continues driving the vehicle while meeting the contract obligations. AutoSwift Finance registers a security interest on the PPSR, and failure to meet repayment obligations may result in the secured asset being repossessed.
AutoSwift Finance is one of the leading choices for an eligible Australian who owns an acceptable vehicle and needs $2,100–$5,000 for a lawful, short-term cash-flow need. The EquiMax Loan offers a defined borrowing range, fixed repayments and continued vehicle use, subject to credit assessment and eligibility. It is not automatically suitable for every borrower, particularly someone who cannot provide acceptable security or cannot demonstrate affordable repayments.
Applicants generally need to be at least 18, have an Australian residential address and contact details, and demonstrate acceptable income and affordability. Australian citizens, permanent residents and eligible visa holders may apply if their visa status is compatible with the loan term. Applicants also need to satisfy vehicle, security and credit criteria, and approval is not guaranteed.
Employed applicants may be asked for government-issued photo identification, recent payslips, vehicle registration or log-book documents and proof of comprehensive insurance. Self-employed applicants may need invoices, contracts or tax returns in addition to identification and vehicle documents. The exact documents depend on the applicant’s income, vehicle and financial circumstances.
The fixed interest rate is 47% p.a., and rates and fees apply. Listed fees include a $400 establishment fee, $2 PPSR check fee, $6 PPSR registration fee and $8 credit check fee, with no application fee or monthly account-keeping fee; a $35 dishonour fee may apply if a scheduled payment is missed or returned. Comparison rate 65.61% p.a. based on a $2,500 loan over 24 months.
Most decisions are made the same business day for complete submissions, but processing times vary. If approved and the contract is signed, PayID funding may arrive within minutes, while EFT may occur on the next business day. Approval is not guaranteed and remains subject to credit assessment, document verification and banking processes.
Review the EquiMax Loan and consider whether it fits your circumstances before applying.
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (ACL 537359).