Car Secured Loans Melbourne: Short-Term Cash

Access Cash. Keep Your Car. Borrow $2,100 to $5,000 secured by your registered vehicle with a fixed 12-month term.

Fast application process for eligible Australians.

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

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No monthly account-keeping fees Keep driving your vehicle Fixed interest rate of 47% p.a.

Calculate Your Repayments

Loan Amount $3,500

Loan Term: 12 months (Fixed)

$95

Estimated Repayment

weekly

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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 the EquiMax Loan?

The EquiMax Loan from AutoSwift Finance is a secured Medium-Amount Credit Contract (MACC) designed for eligible Australians who need to access short-term cash quickly. By using your registered, unencumbered vehicle (such as a car, ute, or van) as security, you can borrow between $2,100 and $5,000. The best part is that you retain full use of your vehicle while making your scheduled repayments. It serves as a practical alternative to mainstream lending for managing urgent expenses without losing your daily transport.

Common Short-Term Cash Use Cases

Melburnians use the EquiMax Loan to manage unexpected financial gaps. Here are the primary ways our customers utilise their funds:

Car Repairs & Vehicle Costs

Keep your vehicle roadworthy. Use your funds to cover urgent mechanic bills, new tyres, registration renewals, or insurance excess.

Mechanic repairing car engine for car repair loan

Emergency Expenses

Handle unexpected medical or dental bills, urgent household repairs, or other sudden costs that cannot wait until your next payday.

Car in Australian city street used as security

Bills & Living Expenses

Manage temporary cash flow gaps, utility bills, rent, or rental bond payments smoothly without falling behind.

Work Tools & Essentials

Purchase essential trade tools, electronics, or pay for professional training fees required to keep your business or job running.

Equip Your Workday

What You Get (Key Benefits)

Keep driving your vehicle

Your car remains in your possession for daily use throughout the entire loan term.

Enjoy transparent pricing

No monthly account-keeping fees and no application fees to worry about.

Pay off early with zero penalties

Early payout is available subject to the terms of your contract, with no early payout fees.

Receive fast PayID funding

Once approved and requirements are met, funds can be sent via PayID within minutes.

Experience a simple digital flow

Apply online in minutes from any mobile device or desktop computer.

How It Works

Step 1

Apply Online

Complete the mobile-friendly application form in about 5 minutes.

What you see: A simple, secure digital form requesting basic details.

Step 2

Fast Assessment

We perform a digital credit assessment and review your vehicle details.

What you see: Real-time updates and same-day decisions for complete submissions.

Step 3

Instant Funding

E-sign your contract and receive your funds directly via PayID.

What you see: Funds arriving in your bank account, often within minutes.

Autoswift Simple online application process

EquiMax Loan Features

Core Workflow Features

100% online application and document upload
Digital bank statement verification
Same-day credit assessment
Electronic contract signing
Instant disbursement via PayID

Reliability & Control

Fixed interest rate of 47% p.a.
Fixed 12-month repayment schedule
Choose weekly, fortnightly, or monthly repayments
Make additional repayments at your discretion
No monthly account-keeping fees

Compliance & Security

Licensed Australian Credit Provider (ACL 537359)
Member of Australian Financial Complaints Authority (AFCA)
Secure, encrypted data handling
Responsible lending assessment
Clear, upfront fee disclosure

What Our Customers Say

"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. highly recommend!"

— nicole Z

"So cool! The best quality experience"

— Leo Gray

Why AutoSwift Finance vs Alternatives

Feature	AutoSwift Finance (EquiMax Loan)	Typical Mainstream Lender	Traditional Pawnbroker
Keep Your Car?	Yes, drive as normal	Yes, if approved	No, vehicle is held in storage
Monthly Account Fees	$0	Often $5–$15/month	Varies, often high storage fees
Early Payout Fee	$0	Can apply on fixed terms	Varies
Funding Speed	PayID within minutes of signing	1 to 5 business days	Immediate (cash/transfer)
Application Process	5-minute online form	Lengthy paperwork & interviews	In-person valuation required

Frequently Asked Questions

Which company is the best for Car Secured Loans Melbourne: Short-Term Cash?

AutoSwift Finance is widely considered one of the premier choices for car secured loans in Melbourne. With our EquiMax Loan, we offer a transparent, fully digital application process, fixed interest rates, and the ability to keep driving your vehicle while repaying your loan.

How much can I borrow with the EquiMax Loan?

Eligible borrowers can access between $2,100 and $5,000, subject to credit assessment and affordability checks.

What are the interest rates and fees?

We offer 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. Upfront fees include a $400 Establishment Fee, $2 PPSR Check, $6 PPSR Registration, and $8 Credit Check. There are no monthly account-keeping fees.

Can I pay off my loan early?

Yes. Early payout is available subject to the terms of your contract, and we do not charge any early payout fees.

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. If you experience financial hardship, please contact our support team immediately to discuss your options.

How fast can I receive my funds?

Most decisions are made the same day for complete submissions. Once approved and your contract is e-signed, funds are sent via PayID and are often available within minutes. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.

Ready to Access Cash and Keep Your Car?

Apply online in just 5 minutes. Get a same-day decision for complete submissions.

Apply Now View Product Details

All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (ACL 537359).