Get Emergency Cash Quickly for Eligible Australians (Without Surrendering Your Car)
Unlock $2,100 to $5,000 against your registered vehicle with a fixed 12-month term and keep driving your car.
Calculate Your Repayments
Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances.
What Is the EquiMax Loan?
The EquiMax Loan by AutoSwift Finance is a small car-secured loan designed to help eligible Australians get emergency cash quickly without surrendering their vehicle. By utilizing a secured car loan structure, you can unlock between $2,100 and $5,000 to cover urgent expenses. This product serves as an alternative to mainstream lending, offering a fixed interest rate of 47% p.a. and a structured 12-month repayment term so you can manage your budget with confidence.
What You Get
Keep Driving Your Vehicle
Retain full use and possession of your car while accessing the funds you need.
Fixed Interest Rate
Enjoy a fixed interest rate of 47% p.a. with predictable repayments that stay the same.
No Ongoing Monthly Fees
Benefit from $0 monthly account-keeping fees and $0 application fees to keep costs transparent.
Fast PayID Funding
Access fast funding via PayID, available 7 days a week once approved and requirements are met.
Flexible Repayment Schedule
Choose weekly, fortnightly, or monthly repayments to align perfectly with your pay cycle.
Digital-First Experience
Experience a fast online application process entirely from your mobile phone.
How It Works
Apply Online
Complete our simple online application form in just 5 minutes.
A mobile-friendly digital form requiring basic personal and vehicle details.
Assessment
Our team works to provide a same day loan decision for complete submissions.
Real-time updates via SMS and email as we verify your details.
E-Sign & Fund
Accept your digital contract and funds are disbursed instantly via PayID instant funding.
An electronic contract followed by instant funding within minutes of signing.
Use Cases
Urgent Car Repairs
Address urgent car repairs, registration, or insurance excess to keep your vehicle safe and roadworthy.
Medical & Dental Expenses
Manage unexpected medical bills, dental emergencies, or veterinary costs without delay.
Unexpected Household Bills
Bridge temporary cash flow gaps for utility bills, rent, bond, or urgent home maintenance.
Work Essentials & Tools
Replace vital tools, laptops, or equipment required to maintain your employment and income.
Travel & Relocation
Fund urgent travel for family emergencies or cover immediate moving costs and rental bonds.
Funeral & Bereavement
Address immediate, unplanned expenses during difficult times with compassionate, fast processing.
Features
Core Workflow Features
- 5-minute online application flow
- Digital document upload via secure portal
- Automated vehicle valuation check
- Electronic contract signing (e-sign)
- Real-time SMS and email status updates
Reliability & Control
- Fixed interest rate of 47% p.a. (comparison rate 65.61% p.a.)
- No ongoing monthly account-keeping fees
- Flexible repayment frequency (weekly, fortnightly, or monthly)
- No early payout fees for early settlement
- Secure data encryption protecting your personal information
Integrations & Export
- Instant bank verification integration
- PayID instant funding network
- Direct debit automated repayment setup
- PPSR registration and credit check integration
- Online customer portal for loan management
Proof
- ✓ Over 90% of complete submissions receive a same-day decision.
- ✓ Funds are typically disbursed via PayID within minutes of contract execution.
- ✓ 100% transparent fee structure with $0 hidden charges.
- ✓ Regulated Australian Credit Licence holder (ACL 537359) ensuring strict compliance.
"Great experience with AutoSwift. The team is professional, responsive, and truly knows their space. highly recommend!"
— nicole Z
Comparison
How the EquiMax Loan compares to other common options in Australia.
| Feature | AutoSwift Finance (EquiMax Loan) | Generic Alternative A | Generic Alternative B |
|---|---|---|---|
| Loan Product | EquiMax Loan | Unsecured Personal Loan | Payday Loan |
| Interest Rate | Fixed 47% p.a. | Varies (often high) | Up to 48% p.a. + high fees |
| Monthly Fees | $0 | $5 - $15 | High monthly fees |
| Early Payout Fee | $0 | Often penalized | Varies |
| Funding Speed | PayID (7 days a week) | Business days only | Varies |
| Keep Your Car | Yes (Secured) | Yes (Unsecured) | N/A |
Credentials & Key Stats
"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
FAQs
What is an emergency cash loan?
An emergency cash loan is a short-term financial product designed to provide rapid access to funds for urgent, unforeseen expenses. With the EquiMax Loan from AutoSwift Finance, eligible Australians can secure $2,100 to $5,000 against their registered vehicle, allowing them to address immediate cash flow needs while continuing to drive their car.
How fast can I get approved?
We aim to provide a same-day loan decision for complete submissions. Once approved and the contract is e-signed, funds are sent via PayID, which can arrive in your account within minutes. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Can I keep my car during the loan?
Yes. The EquiMax Loan is secured against your vehicle, but you retain full use and possession of your car throughout the 12-month term, provided you meet your repayment obligations. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
What are the fees and interest rates?
We offer a fixed interest rate of 47% p.a. (comparison rate 65.61% p.a. based on a $2,500 loan over 24 months). There are $0 application fees and $0 monthly account-keeping fees. Total fixed upfront fees are $416 (deducted from the loan amount), which includes a $400 establishment fee, $2 PPSR check, $6 PPSR registration, and $8 credit check. Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.
What happens if I want to pay off my loan early?
You can make additional repayments or pay off your loan in full at any time. We charge $0 early payout fees, allowing you to save on interest if you choose to settle early. Early payout is available subject to the terms of your contract.
What are the eligibility requirements?
To be eligible, you must be 18 years or older, an Australian citizen, permanent resident, or eligible visa holder, have verifiable income for at least 3 months, and own an unencumbered, registered, and comprehensively insured vehicle to use as security. We consider a range of circumstances, but all applications are subject to credit assessment.
Get Emergency Cash Quickly Without Surrendering Your Car
Apply online in just 5 minutes and access the funds you need today.