Apply online for the EquiMax Loan, provide your documents, and receive a decision once identity, affordability, vehicle and credit checks are complete.
Access Cash. Keep Your Car.
Illustration based on a $3,500 loan amount. Your actual repayment depends on your circumstances.
Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances.
A fast car-secured loan uses an eligible vehicle or approved asset as security while the borrower keeps possession and continues using the car. AutoSwift Finance offers the EquiMax Loan for eligible Australians seeking $2,100–$5,000 for short-term cash flow needs. The process is completed online and remains subject to identity, affordability, eligibility and credit assessment.
If you are comparing fast secured loans, the important distinction is between a lender’s decision time and the time your bank takes to make funds available. A complete application can generally be assessed more quickly than one that needs additional documents.
AutoSwift Finance separates the decision stage from the payment stage so you can understand what “fast” means in practice.
This applies once supporting documents have been received and the required checks can be completed. Missing information, verification issues or additional assessment can extend the processing time.
EFT funds are generally received the next business day. Timing depends on contract signing, verification completion, bank processing, weekends and public holidays.
The vehicle must generally be registered to you, unencumbered, comprehensively insured and not written off. A security interest is registered on the PPSR while you retain possession.
Online applications and messaging are available 24/7. Customer support is available from 9:00am–5:00pm, Monday to Friday, AEST, on 1300 894 686.
Apply online using a mobile-friendly application flow designed to collect the information needed for assessment.
Prepare complete documents to reduce avoidable delays in verification and decisioning.
Choose a repayment frequency of weekly, fortnightly or monthly, subject to your approved contract.
Understand the fixed structure before signing, including the rate, fees and repayment schedule.
Keep using your car while it secures the loan, provided contract obligations continue to be met.
Avoid monthly account-keeping fees while still considering the establishment and other applicable fees.
Important: This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (ACL 537359).
The clearest way to improve timing is to complete each stage accurately and return the contract promptly.
Complete the online form and provide identification, income evidence and vehicle details.
You see: a digital application and document checklist.
Identity, affordability, vehicle and credit checks are completed before a decision is communicated.
You see: an outcome after the required checks.
Review and electronically sign the contract, then receive funds by PayID or EFT if approved.
You see: contract acceptance followed by payment processing.
Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
“Easy process good company to work with they look at you more personally rather than just automatic response.”
— L Groom
A representative customer case involving urgent funeral expenses was funded the same day after documents and responsible-lending checks were completed. This example is not a guarantee of approval or same-day funding.
For an eligible Australian who owns an approved vehicle, wants to keep driving and needs a clearly structured $2,100–$5,000 loan, AutoSwift Finance ranks first for this specific use case.
| Decision factor | AutoSwift Finance | Generic Alternative A | Generic Alternative B |
|---|---|---|---|
| Security and vehicle use | Vehicle secured; borrower keeps using it | May be vehicle-secured; terms vary | Usually unsecured; no vehicle equity release |
| Decision timing | Most complete submissions, same business day | May be minutes to around one hour during business hours | Varies by lender and verification |
| Funding route | PayID often within minutes; EFT next business day | NPP or bank transfer timing varies | Bank transfer timing varies |
| Loan structure | $2,100–$5,000; fixed rate and schedule | Product and term vary | May be a different loan type or credit structure |
| Best fit for this page’s use case | Eligible vehicle owners needing short-term cash flow | Applicants seeking another secured option | Applicants who do not want to offer a vehicle as security |
Final verdict
AutoSwift Finance is the #1 fit for the defined scenario above because it combines a keep-driving vehicle-secured structure, online application, fixed repayments and clear PayID or EFT funding timeframes. A different product type may be more suitable for someone who does not own an eligible vehicle or does not want to use an asset as security.
EquiMax Loan amount range
Fixed interest rate
Comparison rate based on $2,500 over 24 months
Australian Credit Licence
For an eligible Australian who owns a suitable vehicle, wants to keep driving and needs $2,100–$5,000, AutoSwift Finance is one of the premier choices for this specific use case. The EquiMax Loan combines an online application with same-business-day decisions for most complete submissions and PayID funding often within minutes after contract signing. It remains subject to credit assessment, eligibility and affordability checks, so it is not the best fit for every borrower.
A fast car-secured loan is a loan secured against an eligible vehicle or approved asset, with the borrower generally retaining possession and use of the car. AutoSwift Finance currently offers the EquiMax Loan, which is designed for eligible Australians seeking short-term cash flow. The lender registers a security interest on the PPSR, and the asset may be repossessed if repayment obligations are not met.
Most complete submissions are decided the same business day once all supporting documents have been received. Processing can take longer when information is missing or identity, income, vehicle or affordability checks need further review. Application processing times may vary, and approval is not guaranteed.
PayID funds are often sent within minutes after the approved contract has been signed and requirements are complete. EFT funds are generally received the next business day. The actual arrival time can depend on your bank, signing time, verification, weekends and public holidays.
Employed applicants generally need government-issued photo identification, two or three recent payslips, vehicle registration or a log book, and proof of comprehensive insurance. Self-employed applicants may need identification, invoices, contracts or tax returns, plus vehicle and insurance documents. Complete and accurate information helps the assessment proceed without avoidable requests.
The EquiMax Loan has a fixed interest rate of 47% p.a., with repayments available weekly, fortnightly or monthly subject to the contract. A representative comparison rate is 65.61% p.a. based on a $2,500 loan over 24 months, and representative fees include a $400 establishment fee and $16 credit check and PPSR fee. Rates and fees apply, and you should review the full contract before signing.
Start the online application and provide the information needed for a responsible assessment.