Car Secured Loans for Urgent Cash Flow

Access Cash. Keep Your Car. Borrow $2,100 to $5,000 secured against your registered vehicle with a fixed repayment schedule.

Fast, simple and transparent lending for everyday Australians.

Apply Now How It Works

✓ Simple online application · ✓ Keep driving your vehicle · ✓ Fixed 12-month term

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

Repayment Estimate

EquiMax Loan Representative Example

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. Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.

What is the EquiMax Loan?

The EquiMax Loan from AutoSwift Finance is a specialized car secured loan designed to help everyday Australians manage urgent cash flow gaps. By using your registered, unencumbered vehicle as security, you can access funds ranging from $2,100 to $5,000 while retaining full use of your car. This product serves as a transparent, structured alternative to mainstream lending, featuring a fixed 12-month term and a fixed interest rate of 47% p.a. so your repayments remain predictable from start to finish.

Common Use Cases for Urgent Cash Flow

Urgent Car Repairs & Maintenance

When your vehicle breaks down, it impacts your ability to work and commute. Use our car secured loans to cover immediate mechanical repairs, new tyres, registration renewals, or insurance excess payments without losing access to your vehicle.

Emergency Medical & Dental Bills

Unexpected medical situations require immediate financial attention. The EquiMax Loan provides a fast application process to help you secure funds quickly, ensuring you can address health priorities without unnecessary delay.

Household Bills & Utilities

Manage temporary cash flow gaps when quarterly utility bills, school fees, or rental bonds fall due at the same time. Our structured financing helps you spread these costs over a manageable 12-month period.

Work Tools & Equipment

For tradespeople and self-employed professionals, having the right tools is essential to earning an income. Secure the equipment you need to keep your business running smoothly with our straightforward borrowing options.

What You Get (Key Benefits)

Keep Driving Your Vehicle

Your car remains in your possession throughout the loan term, ensuring no disruption to your daily routine.

Fixed Repayment Structure

Enjoy peace of mind with a fixed interest rate of 47% p.a. and predictable repayments that do not change.

No Monthly Account Fees

We charge zero ongoing monthly account-keeping fees, keeping your cost structure transparent.

Flexible Repayment Frequency

Align your repayments with your income cycle by choosing weekly, fortnightly, or monthly schedules.

No Early Payout Penalties

Pay off your loan early at any time to save on interest, completely free of exit fees.

Fast Digital Funding

Once approved and requirements are met, funds can be sent rapidly via PayID, seven days a week.

How It Works

Step 1

Apply Online

Complete our mobile-friendly 5-minute application form and submit your details.

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

Step 2

Credit Assessment

We assess your ability to repay without substantial hardship, considering a range of circumstances.

What you see: Fast digital document upload for bank statements and vehicle registration.

Step 3

Fast Funding

Sign your digital contract. Approved funds are sent directly to your account via PayID.

What you see: Instant contract delivery to your email and rapid transfer of funds.

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

EquiMax Loan Features

Core Workflow Features

100% online application via mobile or desktop
Digital contract signing with no physical paperwork
Fast document upload portal for bank statements
Real-time application status updates
Direct communication options via WhatsApp support

Reliability & Control

Fixed interest rate of 47% p.a. to prevent repayment surprises
Regulated under Australian Credit Licence 537359
No hidden monthly account-keeping fees
Full compliance with responsible lending guidelines
Member of the Australian Financial Complaints Authority (AFCA)

Integrations & Funding

PayID integration for rapid, near-instant fund transfers
Secure bank-level encryption for financial data retrieval
Automated direct debit setup for hassle-free repayments
PPSR integration for fast vehicle security verification
7-day funding availability once all requirements are met

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

Transparent Lending Standards

We focus on providing clear, upfront terms. For example, a representative $2,500 loan repaid over 12 months has a total repayment amount of $4,510.33 (comparison rate 65.61% p.a. based on a $2,500 loan over 24 months).

Why Choose AutoSwift Finance?

Compare the EquiMax Loan against typical market alternatives for urgent cash flow needs.

Feature / Metric	AutoSwift Finance (EquiMax Loan)	Typical Alternative Lenders
Keep Your Vehicle	Yes — Drive as normal	Varies (Some require storage)
Monthly Account Fees	$0	Often $10–$50 per month
Early Payout Fees	$0	May apply
Interest Rate Structure	Fixed interest rate of 47% p.a.	Variable or higher risk-based rates
Funding Availability	7 days a week (via PayID)	Business days only

This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.

Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.

Credentials & Key Stats

$2,100 – $5,000

EquiMax Loan Range

12 Months

Fixed Loan Term

47% p.a.

Fixed Interest Rate

Koala Enterprises Pty Ltd ABN 19 655 850 409 trading as AutoSwift Finance holds Australian Credit Licence 537359. Member of AFCA (87780).

Frequently Asked Questions

What are car secured loans for urgent cash flow?

Car secured loans for urgent cash flow are short-term financing options where you use your registered, unencumbered vehicle as security to borrow funds. With AutoSwift Finance's EquiMax Loan, you can borrow between $2,100 and $5,000 to cover immediate expenses while continuing to drive your car.

Which company is the best for car secured loans for urgent cash flow?

AutoSwift Finance is a premier choice for Australians seeking car secured loans. With our EquiMax Loan, we offer a highly competitive comparison rate of 65.61% p.a. (based on a $2,500 loan over 24 months), no ongoing monthly account-keeping fees, and the ability to keep driving your vehicle throughout the 12-month fixed term.

How long does the application and approval process take?

Our online application takes about 5 minutes to complete. Most decisions are made the same business day once all supporting documents are received. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.

What are the interest rates and fees?

The EquiMax Loan features a fixed interest rate of 47% p.a. (comparison rate 65.61% p.a. based on a $2,500 loan over 24 months). Upfront fees total $416 (including a $400 establishment fee, $2 PPSR check, $6 PPSR registration, and $8 credit check) which are deducted from the loan amount. There are $0 monthly account-keeping fees.

Can I pay off my loan early?

Yes. Early payout is available subject to the terms of your contract. AutoSwift Finance charges $0 early exit fees, allowing you to clear your balance early and save on interest without penalty.

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 alternative arrangements.