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Get Back on the Road with Car Repair Loans Australia

Unlock $2,100 to $5,000 against your registered vehicle with a fixed repayment schedule and keep driving your car.

Fast application process and funding available 7 days a week once approved.

Apply Now How It Works
No monthly fees 5-min application Keep driving your car

Calculate Your Repayments

Estimate your EquiMax Loan details below.

Loan Amount $3,500
$2,100 $5,000
Loan Term: 12 months (Fixed)
$95
Estimated Repayment
weekly
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*Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances. Fixed interest rate of 47% p.a. Rates and fees apply.

What Is the EquiMax Loan?

The EquiMax Loan by AutoSwift Finance is a specialized car-secured loan designed to help eligible Australians access quick cash for urgent expenses like car repairs, registration, or tyres. By securing the loan against your registered vehicle, you can unlock between $2,100 and $5,000 while retaining full use and possession of your car. It offers an alternative to mainstream lending with a fixed interest rate of 47% p.a. and clear, predictable repayments over a fixed 12-month term.

Whether you need to cover unexpected mechanical breakdowns, replace worn-out tyres, or pay your annual registration, this product is structured to get you back on the road quickly. We focus on providing a fast, simple, and transparent lending experience for everyday Australians, ensuring you can manage your cash flow without losing access to your primary mode of transport.

What You Get with an EquiMax Loan

Discover the key benefits of securing your emergency car repair financing through AutoSwift Finance.

Keep Driving Your Car

You retain full use and possession of your vehicle throughout the entire loan term while accessing the funds you need.

Flexible Funding Limits

Borrow exactly what you need for your repairs, with loan amounts ranging from $2,100 to $5,000.

No Monthly Account Fees

Enjoy transparent pricing with zero ongoing monthly account-keeping fees, helping you save money over time.

Fixed Repayments

Your interest rate is fixed at 47% p.a., meaning your repayments stay exactly the same for the life of the loan.

Fast PayID Payouts

Once approved, funds can be sent directly to your account via PayID, available 7 days a week.

No Early Payout Fees

You have the freedom to make additional repayments or pay off your loan early with no early payout penalties.

How It Works

Our streamlined digital process is designed to get you approved and funded as quickly as possible.

Step 1

Apply Online

Spend 5 minutes completing our mobile-friendly online application form.

What you see: A simple, secure digital portal to upload your details.

Step 2

Get Assessed

Our team conducts a credit assessment to ensure the loan fits your budget.

What you see: A fast decision, often under 1 hour approval*.

Step 3

Receive Funds

Once approved, receive your funds via PayID, available 7 days a week.

What you see: Instant cash in your bank account to pay your mechanic.

Common Car Repair Use Cases

Australians use the EquiMax Loan to cover a wide variety of urgent vehicle expenses and keep their lives moving.

Engine & Transmission Repairs

Major mechanical failures can happen without warning. Secure the funds to pay for critical engine rebuilds or gearbox replacements immediately.

Brakes & Suspension

Don't compromise on safety. Replace worn brake pads, rotors, or damaged shock absorbers to ensure your vehicle remains completely roadworthy.

Insurance Excess Payments

If you've been in an accident, cover your insurance excess quickly so the repair shop can begin working on your vehicle without delay.

Registration & Roadworthy

Avoid heavy fines by keeping your vehicle registered. Use our loan to cover annual registration fees and any repairs needed to pass inspection.

Work Tools & Equipment

For tradespeople, your vehicle is your livelihood. Ensure your work ute or van is fully repaired and equipped so you never miss a shift.

Auto Electrical & Diagnostics

Modern vehicles rely heavily on complex electronics. Cover the cost of diagnostic scans, battery replacements, or alternator repairs.

EquiMax Loan Features

A comprehensive breakdown of how our loan product is structured to support your financial needs.

Core Workflow Features

  • 100% online application flow accessible from any mobile device or desktop.
  • Secure digital document upload to speed up the verification process.
  • Automated bank statement retrieval for hassle-free income verification.
  • Real-time application tracking so you always know your status.
  • Digital contract signing via secure SMS verification.

Reliability & Control

  • Fixed interest rate of 47% p.a. ensuring your repayments never change.
  • No ongoing monthly account-keeping fees to inflate your debt.
  • Flexible repayment frequencies: choose weekly, fortnightly, or monthly.
  • No early payout fees if you choose to settle your balance ahead of schedule.
  • Full compliance with Australian credit regulations under ACL 537359.

Digital Management & Payouts

  • Instant funding via PayID once all loan requirements are met.
  • Payouts processed 7 days a week, including weekends and public holidays.
  • Automated direct debit setup to make managing repayments effortless.
  • Secure customer portal to view your balance and repayment schedule.
  • Dedicated Australian-based customer support team for any enquiries.

Real Outcomes for Australian Drivers

We focus on delivering fast, transparent, and reliable financial solutions when you need them most.

"My transmission failed right before a busy work week, and I couldn't afford the $3,200 repair bill. I applied for the EquiMax Loan with AutoSwift Finance, got approved quickly, and paid the mechanic the next day. Best of all, I kept driving my car to work throughout the whole process."
— Marcus T., Brisbane

How We Compare

See how the EquiMax Loan compares to traditional personal loans and typical payday lenders.

Feature AutoSwift Finance (EquiMax Loan) Typical Payday Lender Traditional Bank Loan
Loan Range $2,100 – $5,000 Often under $2,000 Usually $5,000+ minimum
Keep Your Car Yes, full possession N/A (Unsecured) Varies (May require asset surrender)
Interest Rate Fixed 47% p.a. High monthly fees (equivalent to 400%+ p.a.) Variable (8% - 20% p.a.)
Monthly Account Fees $0 (No monthly fees) Often 4% of principal monthly Usually $5 - $15 monthly
Funding Speed 7 days a week (via PayID) Business hours only 2 to 7 business days

Key Stats & Credentials

We are committed to transparent, regulated lending practices across Australia.

$2,100 - $5,000
Loan Amount Range
12 Months
Fixed Loan Term
47% p.a.
Fixed Interest Rate
7 Days
PayID Funding Availability

Frequently Asked Questions

Get clear, straightforward answers to common questions about our car repair financing options.

What are car repair loans?

A car repair loan is a type of short-term financing specifically used to cover urgent vehicle maintenance, mechanical repairs, or registration costs. At AutoSwift Finance, we offer the EquiMax Loan, which is secured against your registered vehicle. This allows you to access emergency car loans ranging from $2,100 to $5,000 while continuing to drive your car as normal.

Do I get to keep my car during the loan?

Yes. You keep driving your car as normal throughout the entire loan term. AutoSwift Finance registers a security interest (PPSR registration) on the vehicle, but you retain full use and possession of it. This makes car secured loans an excellent option for those who need cash but cannot afford to lose their daily transport.

What are the fees and interest rates?

We believe in complete transparency. The EquiMax Loan features a fixed interest rate of 47% p.a. and has no ongoing monthly account-keeping fees. Typical setup costs include an establishment fee of $400 and a credit check & PPSR fee of $16. A dishonour fee of $35 applies if a scheduled payment is missed.

How fast can I get approved and funded?

Our online application takes just 5 minutes. Most decisions are made the same day for complete submissions. Once approved, we can process your payout via PayID, which is available 7 days a week, allowing you to secure fast cash loans when unexpected mechanical issues arise.

Can I pay off my loan early?

Yes. You can make additional repayments or pay off your loan entirely at any time. Early payout is available subject to the terms of your contract, and we do not charge any early payout fees or penalties.

How does AutoSwift Finance ensure responsible lending?

We are committed to responsible lending practices. Every application is subject to credit assessment and eligibility criteria. We assess your financial situation to ensure you can comfortably manage the repayments without experiencing substantial hardship.

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Ready to Get Your Car Repaired?

Apply for the EquiMax Loan today. Borrow $2,100 to $5,000, keep driving your vehicle, and enjoy fast, transparent lending.

Apply Now How It Works

Mandatory Disclaimers & Important Information:

• 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. Comparison rate 65.61% p.a. based on a $2,500 loan over 24 months.

• 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. Asterisk (*) indicates approval is subject to complete document submission and credit assessment.

• Early payout is available subject to the terms of your contract.

Ready to estimate your EquiMax Loan?

Borrow $2,100 to $5,000 and keep driving your car.

Apply Now