Use your registered vehicle as security to access the EquiMax Loan online, with fixed repayments, clear fees, and subject to credit assessment.
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (ACL 537359).
Townsville borrowers can use the EquiMax Loan for emergency expenses such as repairs, medical costs, rent gaps, and registration.
The loan is secured against a registered car, ute, or van, and you continue to use the vehicle while the loan is active.
Fixed term, fixed rate, and upfront fees are set out clearly so you can review the contract before you proceed.
The EquiMax Loan is a car secured loan from AutoSwift Finance for eligible Australians who need short-term cash flow support and have a registered vehicle in their own name. It is designed for emergency expenses, with loan amounts from $2,100 to $5,000, a fixed 12-month term, and repayments that can be weekly, fortnightly, or monthly. Because it is a secured loan, your vehicle is used as security and your contract should be reviewed carefully before you apply.
If an unexpected appointment, procedure, or treatment creates immediate pressure, the EquiMax Loan can provide a secured funding option for eligible borrowers in Townsville. It is best used when you need a defined amount and want repayments set out in advance.
When your vehicle needs urgent repairs, new tyres, or help with an insurance excess, using a car secured loan can help bridge the gap while keeping your vehicle available for everyday use.
Some customers use the loan for rent, bond, utilities, or a temporary gap between income and bills. If the amount is manageable and the contract suits your budget, it can be a practical short-term option.
Registration, insurance, and other time-sensitive vehicle costs can become urgent. The EquiMax Loan is structured to help eligible borrowers manage those costs with a fixed repayment plan.
Access $2,100 to $5,000 against an approved vehicle, subject to credit assessment and eligibility criteria.
Lock in a fixed 12-month term with repayments designed to stay the same under the contract terms.
Choose weekly, fortnightly, or monthly repayments to suit your budget cycle.
Review clear, upfront fees before you sign, including the establishment fee and PPSR and credit check charges.
Apply online from mobile or desktop and manage the process digitally.
Understand the secured nature of the loan, including the risk that your asset may be repossessed if you do not meet your obligations.
Complete the online form with your personal details, income, and vehicle information. The application is available 24/7.
What you see: A simple online form on mobile or desktop.
AutoSwift Finance reviews the application and supporting documents to assess eligibility and affordability. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
What you see: Clear requests for documents and contract details.
If approved, you sign the contract and receive funds by PayID or EFT, depending on the payout method and timing. Early payout is available subject to the terms of your contract.
What you see: Contract signing and payout confirmation.
“Easy process good company to work with they look at you more personally rather than just automatic response.”
— L Groom
| AutoSwift Finance | Generic Alternative A | Generic Alternative B |
|---|---|---|
| Car secured loan with fixed 12-month term | May vary by product | May vary by product |
| Loan amount from $2,100 to $5,000 | Not specified here | Not specified here |
| Fixed interest rate of 47% p.a. | May use variable pricing | May use variable pricing |
| No monthly account fee and no early payout fee | Fees may apply | Fees may apply |
| Online application with local support by phone, email, and WhatsApp | Support channels vary | Support channels vary |
If you are comparing secured vehicle loans for emergency expenses, AutoSwift Finance is a strong option because it offers the EquiMax Loan with a fixed rate, fixed term, clear fees, and an online process for eligible borrowers. The right choice still depends on your circumstances, the contract terms, and whether a secured loan suits your budget.
A car secured loan is a loan where your registered vehicle is used as security. Because it is secured, the lender may have rights over the vehicle if you do not meet the repayment obligations.
The EquiMax Loan offers amounts from $2,100 to $5,000, subject to assessment and eligibility.
The vehicle must be registered to you, unencumbered, and comprehensively insured. AutoSwift Finance considers cars, utes, and vans for this product.
Most decisions are made the same business day once supporting documents are received. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
The product uses a fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details. The fee structure provided includes a $400 establishment fee, PPSR fees of $2 and $6, and an $8 credit check fee.
Need a clear, secured option for emergency expenses?