Fast Cash Loans Melbourne: PayID & EFT for Eligible Australians
Unlock $2,100 to $5,000 secured by your registered vehicle. Keep driving your car while accessing the funds you need.
Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.
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 secured Medium-Amount Credit Contract (MACC) designed for everyday Australians who need quick access to cash without losing access to their vehicle. Eligible borrowers can access between $2,100 and $5,000, secured against their registered car, ute, or van. This product serves as a transparent alternative to mainstream lending, offering a fixed 12-month term and clear repayment schedules so you can manage short-term cash flow needs with confidence.
Common Use Cases for Fast Cash in Melbourne
Urgent Car Repairs & Registration
Keep your vehicle roadworthy and legal. Whether it is an unexpected mechanical breakdown or your annual Victorian registration renewal, a secured loan helps cover the bill immediately.
Emergency Expenses & Bills
From sudden medical or dental costs to utility bills and rental bonds, life does not always wait for payday. Get fast funding via PayID to resolve urgent financial gaps.
What You Get (Key Benefits)
Keep driving your vehicle
The loan is secured against your car, but you retain full use of it for work and daily life.
Receive rapid PayID disbursement
Once approved and the contract is signed, funds can be sent instantly via PayID, 7 days a week.
Enjoy fixed, predictable repayments
Choose weekly, fortnightly, or monthly repayments that remain completely unchanged throughout the term.
Pay zero ongoing monthly fees
No hidden account-keeping fees or application fees. All upfront costs are clearly disclosed.
Settle your balance early with no penalty
Early payout is available subject to the terms of your contract, with no early payout fees.
Experience personalized credit assessment
We consider a range of circumstances and assess your ability to repay without substantial hardship.
How It Works
Apply Online
Complete our mobile-friendly 5-minute application form anytime, 24/7.
What you see: A simple digital form requesting basic personal and vehicle details.
Get Assessed
Our team reviews your submission. Most decisions are made the same day for complete submissions.
What you see: Real-time updates and clear communication from our professional team.
Receive Funds
Sign your digital contract and receive your funds rapidly via PayID or next-day EFT.
What you see: Instant transfer confirmation directly in your bank account.
EquiMax Loan Features
Core Workflow Features
- 100% online application flow
- Mobile-friendly or WhatsApp/Phone options
- Fast digital document upload
- Same-day credit assessment for complete files
- Fixed 12-month loan term
Reliability & Control
- Fixed interest rate of 47% p.a.
- No ongoing monthly account-keeping fees
- No early payout fees to settle early
- Fully compliant under Australian Credit Licence 537359
- Member of the Australian Financial Complaints Authority (AFCA)
Disbursement & Security
- Instant PayID funding available 7 days a week
- Standard EFT option for next-business-day transfer
- Secured against your registered car, ute, or van
- Clear upfront fee structure ($416 total fixed upfront fees)
- Flexible repayment cycles (weekly, fortnightly, monthly)
Proof of Service & Customer Experiences
- Licensed & Regulated: Operated by Koala Enterprises Pty Ltd under Australian Credit Licence 537359.
- Fast Turnaround: Most decisions are made the same day for complete submissions.
- Transparent Costs: Fixed interest rate of 47% p.a. with a comparison rate of 65.61% p.a. based on a $2,500 loan over 24 months.
"Easy process good company to work with they look at you more personally rather than just automatic response."
— L Groom
Why Choose AutoSwift Finance?
| Feature / Dimension | AutoSwift Finance (EquiMax Loan) | Typical Mainstream Lender |
|---|---|---|
| Keep Your Vehicle | Yes, retain full use of your car | Often requires surrendering the asset or title |
| Funding Speed | PayID available 7 days a week | Standard business days only (EFT) |
| Monthly Account Fees | $0 ongoing monthly fees | Often $5 to $15 per month |
| Early Payout Penalty | $0 early payout fee | May charge exit or early termination fees |
| Application Process | 100% online, mobile-friendly | Heavy paperwork or in-branch visits |
Credentials & Key Stats
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Frequently Asked Questions
Which company is the best for Fast Cash Loans in Melbourne?
AutoSwift Finance is widely considered one of the premier choices for fast cash loans in Melbourne. With our EquiMax Loan, we offer transparent fixed rates, no ongoing monthly fees, and rapid disbursement via PayID 7 days a week, making us a highly competitive alternative to mainstream lenders.
What is a secured fast cash loan?
A secured fast cash loan is a short-term credit contract where the borrower provides an asset, such as a registered vehicle, as security. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
How long does the application and approval* process take?
Our online application takes about 5 minutes to complete. Most credit 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?
We charge a fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details. The comparison rate is 65.61% p.a. based on a $2,500 loan over 24 months. Upfront fees include a $400 establishment fee, $2 PPSR check, $6 PPSR registration, and $8 credit check. There are $0 monthly account-keeping fees.
Can I pay off my EquiMax Loan early?
Yes. Early payout is available subject to the terms of your contract. AutoSwift Finance does not charge any early payout fees, allowing you to settle your balance ahead of schedule without penalty.
What happens if I miss a repayment?
If a scheduled repayment is missed or returned by your bank, a dishonour fee of $35 applies per missed payment. We encourage borrowers to contact our support team immediately if they experience financial hardship.
Access Cash. Keep Your Car.
Apply online in just 5 minutes. Get a decision the same business day and access rapid funding via PayID.
Important Disclaimers:
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.
Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances.
Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Early payout is available subject to the terms of your contract.