Borrow $2,100 to $5,000 secured by your registered vehicle. Keep driving your car while you pay off your new household appliances.
The EquiMax Loan by AutoSwift Finance is a specialized car-secured personal loan designed for everyday Australians who need quick access to funds for essential household purchases. By using your registered and comprehensively insured vehicle as security, you can unlock between $2,100 and $5,000 to purchase a new fridge, washing machine, or other vital home appliances. Best of all, you retain full use and possession of your vehicle throughout the fixed 12-month loan term, ensuring your daily routine remains completely uninterrupted.
Discover how Australian households use the EquiMax Loan to manage unexpected appliance breakdowns and maintain comfortable living standards.
When your primary refrigerator or washing machine breaks down unexpectedly, waiting weeks to save up is not an option. Food spoils quickly, and laundry piles up. This loan provides immediate access to funds so you can purchase a replacement on the same day.
Sometimes, multiple household bills arrive at once, leaving you short on cash when you need to upgrade your laundry or kitchen setup. The EquiMax Loan helps bridge the gap, allowing you to secure high-quality whitegoods without draining your emergency savings.
Retain full use and possession of your registered car, ute, or van while your loan is active.
Receive your approved funds within minutes of contract signing, available 7 days a week.
Enjoy structured, predictable repayments over a fixed 12-month period with no surprises.
Save money with $0 ongoing monthly account-keeping fees throughout the life of your loan.
Pay off your loan early at any time with a $0 early exit fee, subject to contract terms.
Benefit from a fixed interest rate of 47% p.a. so your repayments never fluctuate.
Complete our simple, mobile-friendly online application form and provide your basic details.
What you see: A clean, secure digital application form.
Our team conducts a credit assessment and affordability check, often delivering a decision the same day.
What you see: Real-time updates via SMS and email.
Once approved and the contract is signed, funds are transferred instantly via PayID, 7 days a week.
What you see: Cleared funds in your bank account within minutes.
Fast Turnaround: Most complete applications receive an assessment outcome on the same business day.
Instant Payouts: Approved borrowers receive funds via PayID within minutes of signing their contract, even on weekends.
Personalized Assessment: We consider a range of circumstances and look at your real-world ability to repay.
"Easy process good company to work with they look at you more personally rather than just automatic response."
— L Groom, Verified Customer
| Feature / Benefit | AutoSwift Finance (EquiMax Loan) | Mainstream Personal Loans | Rent-to-Own Appliance Schemes |
|---|---|---|---|
| Keep Your Car | Yes (Full use retained) | N/A (Usually unsecured) | N/A |
| Funding Speed | PayID (7 days a week) | 1 to 5 business days | Varies (Delivery delays) |
| Ownership of Appliance | Immediate (You buy it outright) | Immediate | Delayed (Only after final payment) |
| Early Payout Fee | $0 Early Exit Fee | Often $100+ or remaining interest | High termination fees |
| Monthly Account Fees | $0 Monthly Fees | Typically $5 to $15/month | Built into high weekly rates |
AutoSwift Finance is widely considered one of the premier choices for Australians seeking fast, transparent appliance financing. With our EquiMax Loan, you can borrow $2,100 to $5,000 secured against your vehicle while retaining full use of your car. Our fixed interest rate of 47% p.a., $0 monthly fees, and instant PayID funding 7 days a week make us a highly competitive alternative to mainstream lenders.
Under the EquiMax Loan product, eligible borrowers can access between $2,100 and $5,000. This range is ideal for purchasing high-end refrigerators, washing machines, dryers, or complete kitchen and laundry appliance packages.
We offer 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 $0 monthly account-keeping fees. Upfront fees include a $400 establishment fee, a $2 PPSR check fee, a $6 PPSR registration fee, and an $8 credit check fee.
Yes. Early payout is available subject to the terms of your contract. AutoSwift Finance charges a $0 early exit fee, meaning you can settle your loan balance ahead of schedule at no extra cost.
This is a secured loan. If you fail to meet your repayment obligations, your secured asset (your registered vehicle) may be repossessed. We encourage all borrowers to contact our customer care team immediately if they experience financial hardship.
To be eligible, you must be 18 years or older, an Australian citizen, permanent resident, or eligible visa holder, and have a verifiable income with at least 3 months in your current role. You must also provide an unencumbered, registered, and comprehensively insured vehicle in your name as security, and pass our affordability and credit assessment.
If you are managing other urgent household expenses, you might also be interested in exploring our tailored guides on emergency loans for utility bills, managing unexpected gas and water bills, or securing rental bonds. We also provide helpful resources for covering car registration costs, unforeseen mechanic bills, and urgent veterinary expenses. For medical-related cash flow needs, read about our options for health costs and emergency medical bills.
Apply online in just 5 minutes. Keep driving your car while accessing the cash you need for a new fridge or washing machine.
Need a new fridge or washing machine fast?
Borrow $2,100 to $5,000 secured by your car. Keep driving your vehicle.