Access cash from $2,100 to $5,000 secured by your car, while you keep driving it.
Estimated Repayment
$95 / weekly
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 by AutoSwift Finance is a specialized car-secured personal loan designed for everyday Australians facing unexpected financial hurdles. Unlike traditional pawnbroking or restrictive asset finance, this product allows you to unlock between $2,100 and $5,000 in equity from your registered, unencumbered vehicle while retaining full use and possession of your car. It serves as a practical alternative to mainstream lending, offering a fixed interest rate of 47% p.a. and a structured 12-month repayment timeline to help you manage urgent expenses without losing your daily transport.
When your vehicle breaks down, getting back on the road is critical. Use the EquiMax Loan to cover immediate mechanic bills, new tyres, registration renewals, or insurance excess. If you need a fast solution, you can explore emergency car repair loans in Australia to get back on the road quickly.
Healthcare emergencies do not wait for payday. Whether it is an urgent dental procedure or unexpected medical fees, our online application provides a streamlined path to secure funding. For those in other major hubs, we also assist with emergency cash loans in Sydney and surrounding regions.
Temporary cash flow gaps can make it difficult to cover rent, moving bonds, or overdue utility bills. Securing a loan against your vehicle helps bridge the gap. If you are located in Victoria, you might also consider looking into emergency loans in Melbourne for localized cash flow support.
When urgent situations arise, such as sudden travel or funeral costs, having access to fast funding is essential. We offer a reliable alternative to traditional finance. Borrowers in Western Australia can also access emergency loans in Perth with fast online processing.
Retain full use and possession of your car, ute, or van while your loan is active.
Choose weekly, fortnightly, or monthly repayments to align perfectly with your pay cycle.
Enjoy transparent pricing with $0 ongoing monthly account-keeping fees.
Receive your approved funds via PayID, often within minutes of signing your digital contract.
Make additional repayments or pay off your loan early at any time without extra fees.
Apply from your mobile phone or computer in just 5 minutes with zero physical paperwork.
Complete the 5-minute mobile-friendly application form on our website.
What you see: A simple digital form requesting basic personal and vehicle details.
We securely verify your identity, income, and vehicle registration online.
What you see: A secure portal to upload documents and verify bank statements.
Once approved, sign your contract digitally to receive funds via PayID.
What you see: A digital contract to e-sign, followed by instant bank transfer.
"Easy process good company to work with they look at you more personally rather than just automatic response."
| Feature / Dimension | AutoSwift Finance (EquiMax Loan) | Traditional Pawnbrokers | Mainstream Personal Loans |
|---|---|---|---|
| Keep Your Vehicle? | Yes, retain full use | No, vehicle is held in storage | Yes (if unsecured) |
| Application Speed | 5-minute online form | Requires in-person visit | Often takes days of paperwork |
| Repayment Structure | Fixed 12-month term | Short-term roll-overs | Variable terms (1 to 7 years) |
| Ongoing Monthly Fees | $0 monthly fees | High storage & admin fees | Often $10–$15 per month |
| Early Payout Penalty | $0 early payout fee | Varies | Often charges exit fees |
$2,100 – $5,000
EquiMax Loan Range
47% p.a.
Fixed Interest Rate
12 Months
Fixed Loan Term
Koala Enterprises Pty Ltd
ABN 19 655 850 409
Australian Credit Licence
Licence Number 537359
AFCA Member
Member Number 87780
AutoSwift Finance is widely considered one of the premier choices for Gold Coast residents seeking emergency loans. Through our EquiMax Loan, we offer a transparent, fully online application process, fixed interest rates, and the unique benefit of keeping your car while accessing cash.
Eligible borrowers can access between $2,100 and $5,000 secured against an unencumbered vehicle registered in their name.
We offer a fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details. Upfront fees deducted from the loan include a $400 Establishment fee, $2 PPSR check, $6 PPSR registration, and an $8 Credit check (Total: $416). There are $0 monthly account-keeping fees and $0 early payout fees.
Yes. This is a secured loan, but you retain full use and possession of your vehicle. However, please note: If you fail to meet your repayment obligations, your secured asset may be repossessed.
You must be 18 years or older, an Australian citizen or permanent resident, employed for at least 3 months with verifiable income, and own an unencumbered vehicle registered in your name with comprehensive insurance.
The online application takes about 5 minutes. Most decisions are made the same business day for complete submissions. Once approved and signed, funds are sent via PayID and can arrive in your account within minutes. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Apply online in just 5 minutes. Get a decision the same business day and fast funding via PayID.
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (ACL 537359). Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
Need Emergency Cash on the Gold Coast?
Borrow $2,100 to $5,000 and keep driving your car.