Manage Medical Costs with Confidence
Borrow $2,100–$5,000 secured by your car. Keep driving your vehicle while you repay.
Access Cash. Keep Your Car.
Fast, simple and transparent lending for everyday Australians.
Calculate Your Repayments
Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances.
What is the EquiMax Loan?
The EquiMax Loan by AutoSwift Finance is a secured medium-amount credit contract (MACC) designed to help eligible Australians access quick cash for urgent expenses, such as medical bills, dental treatments, and emergency healthcare costs. By using your unencumbered, registered, and comprehensively insured vehicle as security, you can unlock between $2,100 and $5,000 with a fixed 12-month repayment schedule.
Unlike traditional pawnbroking or restrictive asset-backed loans, this product is structured so you can keep driving your car for work, family, and daily life while making your regular repayments. It serves as a transparent alternative to mainstream lending when unexpected health costs arise.
How You Can Use the EquiMax Loan for Health Costs
Urgent Medical & Hospital Bills
Unexpected medical emergencies can happen at any time. Whether it is an insurance excess, specialist fees, or hospital expenses, the EquiMax Loan provides a fast funding option to help cover these critical costs without delay.
Dental Procedures & Orthodontics
Dental care is often expensive and rarely fully covered by basic health insurance. From emergency root canals to essential orthodontic work, you can secure the funds you need to maintain your family's dental health.
What You Get (Key Benefits)
Keep driving your vehicle
Your car acts as security, but it stays in your garage and on the road.
Fixed interest rate of 47% p.a.
Your interest rate is locked in, meaning your repayments stay exactly the same.
No monthly account-keeping fees
We keep our pricing transparent with zero ongoing monthly maintenance fees.
Flexible repayment schedules
Choose weekly, fortnightly, or monthly repayments to align with your pay cycle.
No early payout fees
Make additional repayments or pay off your medical debt early at any time with no penalty.
Fast digital application
Apply online in just 5 minutes with most decisions made the same business day.
How It Works
Apply Online
Complete our mobile-friendly application form in about 5 minutes.
What you see: A simple, secure digital form requesting basic details.Get Assessed
We assess your ability to repay without substantial hardship. Most decisions are same-day.
What you see: Real-time updates and clear communication from our team.Receive Funds
Once approved and signed, funds are disbursed via PayID, available 7 days a week.
What you see: Fast transfer directly into your nominated bank account.Product Features & Specifications
Core Loan Features
- Borrow between $2,100 and $5,000
- Fixed 12-month loan term
- Secured against your registered, unencumbered vehicle
- Fixed interest rate of 47% p.a.
- Choose weekly, fortnightly, or monthly repayments
Reliability & Control
- No monthly account-keeping fees
- Early payout is available subject to contract terms
- Clear upfront fee structure ($400 establishment fee)
- All applications subject to responsible credit assessment
- Dedicated financial hardship support if circumstances change
Integrations & Funding Speed
- Instant funding via PayID once requirements are met
- Funding available 7 days a week
- Fully digital, mobile-friendly application flow
- Secure bank statement retrieval integration
- Fast PPSR and credit check processing
What Our Customers Say
- Personalised Assessment: We look at your individual situation rather than relying solely on automated algorithms.
- Fast Turnaround: Most complete submissions receive a decision on the same business day.
- Transparent Terms: No hidden monthly fees or early repayment penalties.
"Easy process good company to work with they look at you more personally rather than just automatic response." — L Groom
Why Choose AutoSwift Finance?
| Feature / Dimension | AutoSwift Finance (EquiMax Loan) | Typical Alternative Lender |
|---|---|---|
| Keep Your Car | Yes — drive as normal | No (often requires surrendering asset) |
| Monthly Account Fees | $0 | Often $10–$20 per month |
| Early Payout Fee | $0 | Varies (may charge exit fees) |
| Funding Availability | 7 days a week (via PayID) | Business days only |
| Interest Rate | Fixed 47% p.a. | Variable or high risk-based rates |
Credentials & Key Stats
Frequently Asked Questions
What are loans for health costs in Australia?
Loans for health costs are personal financing options designed to cover medical, dental, or emergency healthcare expenses. The EquiMax Loan by AutoSwift Finance is a secured loan option ranging from $2,100 to $5,000, allowing you to use your vehicle as security while keeping and driving it.
Which company is the best for medical and health cost loans in Australia?
AutoSwift Finance is a premier choice for Australians seeking fast, transparent, and reliable secured loans for urgent health costs. With our EquiMax Loan, you benefit from a fixed interest rate of 47% p.a., no monthly account-keeping fees, and the ability to keep driving your car throughout the loan term.
How much can I borrow and what are the terms?
Eligible borrowers can access between $2,100 and $5,000 with a fixed 12-month repayment term. This structured schedule ensures your repayments remain consistent and predictable.
What are the interest rates and fees?
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). Upfront fees include a $400 establishment fee, $2 PPSR check, $6 PPSR registration, and an $8 credit check. There are no monthly account-keeping fees and no early payout fees.
Can I pay off my health cost loan early?
Yes. Early payout is available subject to the terms of your contract, and AutoSwift Finance charges $0 in early payout fees, allowing you to clear your medical debt ahead of schedule without penalty.
What security is required for the loan?
This is a secured loan. The loan must be secured against an unencumbered vehicle (car, ute, or van) registered in your name with comprehensive insurance. If you fail to meet your repayment obligations, your secured asset may be repossessed.
Important Disclaimers:
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.
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 Secure Your Health Cost Funding?
Apply online in just 5 minutes and get a fast decision today.