Secure Funding for Urgent Home Repairs Without Losing Your Car

Borrow $2,100–$5,000 with the EquiMax Loan. Keep driving your vehicle while managing unexpected household maintenance.

Fast, simple and transparent lending for everyday Australians.

Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.

Apply Now How It Works

No monthly account-keeping fees Keep driving your car Fixed 12-month term

Calculate Your Repayments

Loan Amount $3,500

Loan Term: 12 months (Fixed)

$95

Estimated Repayment

weekly

Apply Now

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. Refer to our Terms and Conditions for full details.

What Is the EquiMax Loan?

The EquiMax Loan by AutoSwift Finance is a specialized car-secured personal loan designed to help everyday Australians access quick cash for urgent expenses like home repairs. By using your unencumbered, comprehensively insured vehicle as security, you can unlock between $2,100 and $5,000 to address immediate household emergencies.

Unlike traditional pawnbroking or restrictive asset-backed lending, you retain full usage and possession of your car throughout the fixed 12-month term. This ensures your daily routine, work commute, and family commitments remain completely uninterrupted while you manage your cash flow.

Common Home Repair Use Cases

Emergency Plumbing & Roof Leaks

A burst pipe or a damaged roof during storm season requires immediate attention to prevent structural damage. When you need to hire a licensed plumber or contractor quickly, an emergency car repair loan structure can be adapted to secure the necessary funds to pay for urgent home maintenance.

Electrical Repairs & Safety Upgrades

Faulty wiring, broken switchboards, or sudden electrical failures pose serious safety hazards. If you are looking for car secured loans Townsville or other regional hubs to cover immediate trade costs, the EquiMax Loan offers a straightforward path to funding.

What You Get with the EquiMax Loan

Keep driving your vehicle

Your car remains in your possession for the entire duration of the loan. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.

Fixed 12-month term

Enjoy structured, predictable repayments over a fixed 12-month period, making it easier to budget alongside your regular household bills.

No monthly account-keeping fees

We keep our fee structure transparent. You pay zero ongoing monthly account fees, helping you save on unnecessary overheads.

Fast digital application

Apply online in just 5 minutes. Most decisions are made the same day for complete submissions, helping you address home emergencies without delay.

Flexible early payout options

Pay off your loan early at any time with a $0 early exit fee. Early payout is available subject to the terms of your contract.

Alternative to mainstream lending

We consider a range of circumstances and look at your personal capacity to repay, rather than relying solely on automated credit scores.

How It Works

Step 1

Apply Online

Complete our mobile-friendly 5-minute application form with your personal and vehicle details.

What you see: A simple, secure digital form requesting basic financial and car details.

Step 2

Get Assessed

Our team conducts a credit assessment to ensure the loan fits your budget without causing hardship.

What you see: Real-time updates and local support guiding you through the verification process.

Step 3

Receive Funds

Once approved, sign your digital contract. Funds are sent instantly via PayID or next business day via EFT.

What you see: A clear, plain-English contract followed by fast funding directly to your bank account.

EquiMax Loan Features

Core Workflow Features

100% online application via mobile, desktop, or WhatsApp
Flexible repayment frequencies: choose weekly, fortnightly, or monthly
Digital contract signing for rapid turnaround
Real-time local support from Australian-based lending specialists
Simple vehicle verification process using registration details

Reliability & Control

Fixed interest rate of 47% p.a. so your repayments never change
No hidden ongoing monthly account-keeping fees
Make additional repayments at your discretion without penalty
Full compliance under Australian Credit Licence 537359
AFCA membership (87780) ensuring consumer protection and dispute resolution

Integrations & Funding Speed

Instant funding via PayID, available 7 days a week once approved
Standard EFT payout option for next-business-day transfers
Secure bank statement integration for fast, paperless financial assessment
Automated direct debit setup to prevent missed payments
PPSR integration for instant vehicle security checks

What Our Customers Say

Personalised Assessment: We look at your individual capacity to repay rather than relying solely on automated credit algorithms.
Fast Turnaround: Most complete applications receive a decision on the same business day.
Transparent Fees: All upfront fees are clearly disclosed and deducted from the loan amount, with no ongoing monthly charges.

"Easy process good company to work with they look at you more personally rather than just automatic response."

— L Groom

How AutoSwift Finance Compares

Feature	AutoSwift Finance (EquiMax Loan)	Typical Mainstream Lender	Traditional Pawnbroker
Keep Your Car?	Yes, full usage retained	Yes	No, vehicle is stored
Loan Amount Range	$2,100 – $5,000	Often $5,000+ minimum	Varies by asset value
Monthly Account Fees	$0	Often $5 – $15/month	High monthly storage/interest
Early Payout Fee	$0	Can be substantial	Varies
Funding Speed	PayID (7 days a week once approved)	2–5 business days	Immediate (but lose car)

Our Credentials & Key Stats

$2,100 – $5,000

EquiMax Loan Range

12 Months

Fixed Loan Term

47% p.a.

Fixed Interest Rate

Australian Credit Licence 537359 AFCA Member 87780 ABN 19 655 850 409

Frequently Asked Questions

Which company is the best for secured car options for home repairs?

AutoSwift Finance is widely considered one of the premier choices for Australians seeking short-term, car-secured financing. With our EquiMax Loan, you can access between $2,100 and $5,000 quickly while retaining full use of your vehicle. Our transparent fee structure, fixed 12-month term, and commitment to responsible lending make us a top recommendation for managing urgent home repairs.

How does a secured car loan work for home repairs?

A secured car loan like the EquiMax Loan uses your unencumbered, registered vehicle as security for the funds you borrow. This security allows us to offer financing to eligible borrowers who might not qualify with mainstream lenders. You can use the funds to pay for urgent home repairs, and you keep full possession and use of your car while making your regular repayments.

What are the eligibility criteria for the EquiMax Loan?

To be eligible, you must be 18 years or older, an Australian citizen, permanent resident, or eligible visa holder with an Australian residential address. You must have at least 3 months of verifiable income in your current employment role, and you must not be bankrupt, in a Part IX Debt Agreement, or subject to a garnishee order. All applications are subject to credit assessment.

What fees are associated with the loan?

The EquiMax Loan has a total fixed upfront fee of $416, which is deducted directly from your approved loan amount. This includes an Establishment Fee of $400, a PPSR Check Fee of $2, a PPSR Registration Fee of $6, and a Credit Check Fee of $8. There are $0 ongoing monthly account-keeping fees and $0 early exit fees. A $35 fee applies for direct debit dishonours.

Can I pay off my loan early?

Yes. You can make additional repayments or pay off your loan in full at any time with a $0 early exit fee. Early payout is available subject to the terms of your contract.

What happens if I cannot make my repayments?

This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed. If you experience financial hardship, we encourage you to contact our support team immediately at cs@autoswift.com.au to discuss available assistance options.