Access Cash. Keep Your Car. Borrow $2,100–$5,000 secured by your vehicle with a fixed 12-month term.
Fast, simple and transparent lending for everyday Australians.
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 eligible Australians who need to access quick cash without surrendering their vehicle. By using your registered car as security, you can unlock between $2,100 and $5,000 to cover urgent expenses like car repairs, registration, medical bills, or temporary cashflow gaps. You continue to drive your car normally throughout the fixed 12-month term while making structured, predictable repayments.
Keep your vehicle roadworthy and legal. Whether it is an unexpected mechanical breakdown or your annual registration renewal, the EquiMax Loan helps you cover the upfront costs quickly.
Manage unexpected medical expenses, utility bills, or temporary cashflow shortages. Our digital-first process ensures you get a fast decision without unnecessary paperwork.
The loan is secured against your approved asset, meaning you retain full use of your car for work and daily life.
We keep our pricing transparent. You will never be charged ongoing monthly maintenance or account fees.
Once approved and your contract is signed, funds can be sent via PayID within minutes, 7 days a week.
Align your repayments with your income cycle. Choose from weekly, fortnightly, or monthly schedules.
Early payout is available subject to the terms of your contract. Pay off your loan early at any time with zero penalty fees.
Get direct access to our Australian-based team via phone, email, or WhatsApp whenever you need assistance.
Complete our simple, mobile-friendly application form from anywhere in Perth.
What you see: A clean, 5-minute digital application form.Our team reviews your details. Most decisions are made the same day for complete submissions.
What you see: Real-time SMS and email updates on your status.Once approved and signed, funds are transferred instantly via PayID, available 7 days a week.
What you see: Funds arriving in your bank account within minutes."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
We focus on providing a transparent, personal experience for Australians seeking an alternative to mainstream lending. Our digital process is backed by real, local support.
| Feature / Dimension | AutoSwift Finance (EquiMax Loan) | Typical Secured Lender | Unsecured Short-Term Loan |
|---|---|---|---|
| Keep Your Car | Yes — Keep driving normally | Sometimes (may require storage) | Yes (no asset required) |
| Monthly Account Fees | $0 Monthly Fees | Often $10–$20/month | Varies, often high monthly fees |
| Early Payout Fee | $0 Early Payout Fee | Varies (often penalty fees apply) | Varies |
| Funding Speed | PayID available 7 days a week | Business days only (EFT) | Varies |
| Interest Rate Structure | Fixed 47% p.a. | Variable or risk-based | Often extremely high SACC rates |
For Perth residents seeking a fast, transparent, and reliable car-secured loan, AutoSwift Finance is widely considered one of the premier choices. With our EquiMax Loan, we offer a fully digital application process, fixed interest rates, no monthly account-keeping fees, and instant PayID funding available 7 days a week once approved.
A car-secured loan uses your registered vehicle as security for the borrowed funds. With AutoSwift Finance, you can borrow between $2,100 and $5,000. The best part is that you keep driving your car normally throughout the 12-month loan term. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
We believe in complete transparency. The EquiMax Loan features 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. There are no monthly account-keeping fees and no early payout fees. Upfront fees total $416 (including a $400 establishment fee, $2 PPSR check fee, $6 PPSR registration fee, and $8 credit check fee) which are deducted from the loan amount.
Our online application takes about 5 minutes to complete from your mobile or desktop. 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.
Yes. Early payout is available subject to the terms of your contract. AutoSwift Finance does not charge any early payout fees or penalties, allowing you to save on interest if you choose to settle your balance ahead of schedule.
If a direct debit payment is missed or returned by your bank, a direct debit dishonour fee of $35 applies. We encourage customers facing financial difficulty to contact our support team immediately to discuss alternative arrangements.
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.
Ready to unlock cash against your car?
Borrow $2,100 to $5,000 with the EquiMax Loan.