Unlock $2,100 to $5,000 against your registered vehicle with the EquiMax Loan from AutoSwift Finance, featuring a fixed 12-month term and clear, transparent repayments.
Get funded 7 days a week*
Simple approval and fast funding once requirements are met.
EquiMax Loan Repayment Estimator
Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances.
Discover how the EquiMax Loan provides a structured, transparent way to access cash loans when you need them most, without the typical pitfalls of traditional short-term lending.
Borrow from $2,100 to $5,000 to cover urgent bills, car repairs, or unexpected cash flow gaps between paydays.
This is a secured loan, but you retain full use of your registered car for work and daily life while making repayments.
Benefit from a fixed interest rate of 47% p.a. (Comparison rate 65.61% p.a. based on a $2,500 loan over 24 months) with zero ongoing monthly fees.
Manage your budget easily with a fixed 12-month term and your choice of weekly, fortnightly, or monthly repayments.
Get funded 7 days a week via PayID once your application is approved and all requirements are met.
Make additional repayments or settle your contract early with absolutely no early payout fees.
Our streamlined digital process is designed to get you from application to funding quickly and transparently.
Complete our simple, mobile-friendly online application form with your basic details and vehicle information.
Our team conducts a thorough responsible lending assessment to ensure the loan fits your budget.
Once approved, funds are sent directly to your account, with PayID funding available 7 days a week.
Everyday Australians face unique financial situations. Here is how the EquiMax Loan helps real people bridge the gap between paydays.
A customer with a credit score in the low 300s but stable employment needed a rental bond. A lump sum upfront wasn't feasible, but ongoing instalments were well within capacity. By securing the loan against their car, they accessed the bond and are actively rebuilding their credit profile.
Faced with the sudden loss of a parent, a customer with a credit score in the high 200s but stable income needed to cover funeral costs quickly. AutoSwift Finance worked closely with them to gather documents and complete responsible lending checks, delivering same-day funding.
A non-citizen with stable employment and healthy cash flow had difficulty securing finance elsewhere due to visa status. AutoSwift Finance assessed their visa status against the loan term coverage and approved the loan where affordability was clearly met.
When your daily drive needs urgent mechanical work, a car repair loans option helps you get back on the road without disrupting your cash flow.
Manage sudden spikes in electricity, gas, or council rates between paydays with a structured, predictable repayment plan.
Address unexpected healthcare costs immediately rather than delaying necessary treatment due to temporary cash flow gaps.
The EquiMax Loan is built with features designed to give you complete control, speed, and peace of mind.
We focus on delivering real outcomes for everyday Australians looking for reliable short-term cash options.
Over 90% of complete submissions receive a decision on the same day.
100% online process with zero physical paperwork required.
Fixed 12-month terms provide absolute repayment certainty.
Funding available 7 days a week, including weekends.
"When I needed to cover my rental bond upfront, my low credit score made it hard elsewhere despite my stable job. AutoSwift Finance looked at my actual capacity to repay, approved my EquiMax Loan quickly, and let me keep my car for work."
See how the EquiMax Loan compares to traditional payday loan alternatives and other lending options in Australia.
| Feature | AutoSwift Finance (EquiMax Loan) | Generic Payday Lenders | Traditional Banks |
|---|---|---|---|
| Keep Your Car | Yes (Drive as normal) | No (Often require surrender or don't offer secured) | No (Strict collateral rules) |
| Repayment Term | Fixed 12 months | Very short (often 16 days to 4 weeks) | Long-term (2 to 5 years) |
| Ongoing Monthly Fees | $0 | Often high monthly fees | Monthly account fees apply |
| Early Payout Fee | $0 | Varies | Often high exit fees |
| Funding Speed | 7 days a week (via PayID) | Business days only | Several business days |
We are committed to transparent, compliant lending practices under Australian credit regulations.
AutoSwift Finance operates under KOALA ENTERPRISES PTY LTD (ABN 19 655 850 409) and holds Australian Credit Licence 537359, ensuring full compliance with national consumer protection standards.
Quick answers to common questions about our loans.
They are short-term financial solutions designed to help everyday Australians cover emergency expenses before their next pay cycle. With the EquiMax Loan from AutoSwift Finance, you can borrow between $2,100 and $5,000 secured against your registered vehicle. Unlike traditional payday loans that require rapid repayment, our loan features a fixed 12-month term with clear, predictable repayments, allowing you to keep driving your car.
Yes, absolutely. The EquiMax Loan is designed so you can keep using your vehicle for work, family, and daily life while making your scheduled repayments.
We believe in complete transparency. The EquiMax Loan features a fixed interest rate of 47% p.a. (Comparison rate 65.61% p.a. based on a $2,500 loan over 24 months). There are no ongoing monthly account-keeping fees and no early payout fees. Typical upfront fees include a $400 establishment fee and a $16 credit check/PPSR fee. A $35 fee applies for dishonoured payments.
Our online application takes about 5 minutes to complete. We consider a range of circumstances, and most decisions are made the same day for complete submissions. Once approved, we offer fast funding via PayID, which is available 7 days a week.
You can make additional repayments or pay off your loan early at your discretion. Early payout is available subject to the terms of your contract, and AutoSwift Finance charges no early payout fees.
We take responsible lending seriously. All applications are subject to credit assessment and eligibility criteria. We carefully assess your financial situation to ensure you can comfortably meet your repayment obligations without substantial hardship.