Use an approved vehicle as security
The vehicle must generally be registered in your name, unencumbered, comprehensively insured, not written off and not stolen. Cars, utes and vans may be accepted following individual assessment.
What Is an EquiMax Loan Against Your Car? (Quick Definition)
An EquiMax Loan is a medium-amount vehicle-secured loan that lets an eligible borrower apply for $2,100–$5,000 using a registered vehicle or another approved asset as security. You retain full use and possession of your car throughout the fixed 12 month repayment term. A security interest is registered on the Personal Property Securities Register (PPSR).
This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
If you are considering using your car as collateral, review the security requirements, total fees and repayment obligations before applying.
Car-Secured Finance for Brisbane Applicants
Applications are completed online from Brisbane or anywhere else in Australia. These cards summarise the main points to consider before submitting an application.
Short-term cash flow needs
The EquiMax Loan is designed for lawful needs such as car repairs, registration, tyres, insurance excesses, medical or dental bills, home repairs, rent, utilities, work equipment and training fees.
Clear assessment requirements
Applicants need an Australian residential address, contact number, email address, verifiable income and capacity to repay without substantial hardship. Credit assessment applies to every application.
Online servicing
You can apply and manage the loan online, with customer updates sent by email and SMS. Online applications are available 24/7, while phone and email support operates during business hours.
For a broader explanation of Brisbane car-secured options, consider the security, affordability and repayment features rather than location alone.
What You Get
Keep driving your vehicle throughout the loan term, provided you meet your repayment obligations.
Choose weekly, fortnightly or monthly scheduled repayments aligned with your pay cycle.
Plan around a fixed 12 month repayment term and fixed scheduled amounts.
Review itemised fees before accepting an offer, including the $416 total fixed upfront fees.
Apply online and manage your loan digitally throughout the loan term.
Make additional repayments at your discretion, subject to your contract terms.
How It Works
Step 1
Apply online
Complete the application and provide identification, income and vehicle documents.
What you see: A digital application form.
→Step 2
We assess
AutoSwift Finance verifies your information, assesses affordability and reviews eligibility.
What you see: A request for supporting information if needed.
→Step 3
Review and receive funds
If approved, review and sign the offer electronically before funds are sent by PayID or EFT.
What you see: Digital loan documents and funding updates.
Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Features (Grouped)
Core workflow features
- •Online application available 24/7
- •Digital loan management
- •Fixed 12 month repayment term
- •Weekly, fortnightly or monthly repayments
- •Electronic signing for approved offers
Reliability & control
- •Fixed scheduled repayment amounts
- •Itemised upfront fees
- •$0 monthly account-keeping fee
- •Additional repayments permitted
- •Vehicle possession retained during the term
Integrations & export
- •PayID funding once funds are disbursed
- •EFT funding on the next business day
- •Email application and loan updates
- •SMS customer updates
- •Phone and email support during business hours
Proof (Results / Social Proof)
- Loan amounts are stated as $2,100–$5,000 for the EquiMax Loan.
- The fixed repayment term is 12 months.
- Applications are available online from Brisbane and across Australia.
- PayID or EFT funding options are available once requirements are met and funds are disbursed.
- AutoSwift Finance operates under Koala Enterprises Pty Ltd and holds Australian Credit Licence 537359.
“Easy process good company to work with they look at you more personally rather than just automatic response.”
L Groom
Customer review supplied in AutoSwift Finance information.
Comparison (Why AutoSwift Finance vs Alternatives)
The relevant difference for a Brisbane applicant is how the borrowing arrangement works, what security is required and whether vehicle possession is retained.
| Consideration | AutoSwift Finance EquiMax Loan | Unsecured borrowing | Vehicle pawnbroking |
|---|---|---|---|
| Security | Approved vehicle or asset, with a PPSR security interest | No vehicle security in the general product description | Vehicle is used under a pawnbroking arrangement |
| Vehicle possession | Borrower retains full use and possession | Not applicable to vehicle security | Vehicle is surrendered and held |
| Application | Online application and digital servicing | Depends on the provider | Depends on the provider and physical process |
| Repayment structure | Fixed 12 month term with scheduled repayments | Depends on the provider | Depends on the arrangement |
In our view, the EquiMax Loan is most relevant to an eligible Australian who owns an approved vehicle, needs a short-term cash flow solution and wants to keep driving. Other arrangements may suit people whose circumstances or borrowing needs fall outside that profile. Read more about car pawn alternatives that let you keep your car.
Credentials & Key Stats
$2,100–$5,000
EquiMax Loan amount range
12 months
Fixed repayment term
$416
Total fixed upfront fees
537359
Australian Credit Licence
Rate and representative example
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. A representative example shows total repayments of $4,510.33, including $416 in fixed upfront fees deducted from the amount borrowed at the start.
This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or loan amounts will result in a different comparison rate.
“Great experience with AutoSwift. The team is professional, responsive, and truly knows their space.”
nicole Z
“So cool! The best quality experience”
Leo Gray
“Easy process good company to work with.”
L Groom
FAQs
Can I apply for a loan against my car in Brisbane?
Yes. AutoSwift Finance operates Australia-wide online, including Brisbane, and does not imply that it has a physical Brisbane branch. You need an Australian residential address, contact number and email address, plus an approved vehicle or other approved asset as security. All applications are subject to credit assessment and eligibility criteria.
Will I keep driving my car?
You retain full use and possession of your vehicle throughout the loan term, provided you meet your repayment obligations. A PPSR security interest is registered against the approved security. This is a secured loan, and if you fail to meet your repayment obligations, your secured asset may be repossessed.
How much can I borrow and how long is the term?
The EquiMax Loan amount is $2,100–$5,000, subject to credit assessment, affordability, eligibility and the approved security. All EquiMax Loans have a fixed 12 month repayment term. You can choose weekly, fortnightly or monthly scheduled repayments.
What documents might I need?
Employed applicants may need government-issued photo identification, typically two to three payslips, vehicle registration papers or a log book, and proof of comprehensive insurance. Self-employed applicants may need identification, invoices, contracts or tax returns, as well as vehicle documents and insurance evidence. Additional information about income, expenses, liabilities and repayment capacity may be required.
What rate and fees apply?
The fixed interest rate is 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, and total fixed upfront fees are $416, comprising the establishment, PPSR check, PPSR registration and credit check fees.
Can I repay the loan early?
Additional repayments are permitted at your discretion. Early payout is available at any time with a $0 early exit fee, subject to the terms of your contract. Early payout is available subject to the terms of your contract.
Other questions about borrowing against a vehicle
Our guide to borrowing money against your car in Australia explains the main security and repayment considerations in plain English.
Review your options for a vehicle-secured loan in Brisbane
Apply online for an EquiMax Loan and provide the information needed for a responsible credit assessment.
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (Australian Credit Licence 537359).