Loans for New Tyres in Australia

Access cash to replace your worn tyres and keep driving your car. Borrow $2,100 to $5,000 with a fixed 12-month EquiMax Loan.

Fast, simple and transparent lending for everyday Australians.

Apply Now How It Works

✓ Subject to credit assessment ✓ Keep driving your vehicle ✓ Fixed 12-month term

Calculate Your Repayments

EquiMax Loan Repayment Estimate

Loan Amount $3,500

Loan Term: 12 months (Fixed)

$95

Estimated Repayment

weekly

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Warning: 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 specialized car-secured personal loan designed to help Australian vehicle owners access quick cash for essential vehicle maintenance, such as purchasing new tyres, paying for registration, or covering unexpected mechanical repairs. Unlike traditional pawnbroking or restrictive asset-backed loans, this product allows you to unlock between $2,100 and $5,000 against the value of your registered vehicle while retaining full use and possession of your car. You can continue driving to work, running errands, and managing your daily life while repaying the loan over a fixed 12-month term.

When to Use an EquiMax Loan for Tyres & Repairs

Explore how eligible Australians use our car-secured financing to handle urgent vehicle expenses without losing access to their transport.

Urgent Tyre Replacement

Driving on bald or damaged tyres is a major safety hazard and can lead to costly fines or failed roadworthy inspections. When you need a full set of premium tyres immediately but lack the upfront cash, a emergency personal loan secured by your vehicle can bridge the gap.

Mechanic replacing car tyres and servicing vehicle

Combined Repairs & Maintenance

Often, getting new tyres coincides with other essential maintenance like wheel alignments, brake pad replacements, or major logbook servicing. A car secured loan australia allows you to bundle all these critical safety repairs into a single, manageable fixed repayment schedule.

Car repair loan support and vehicle maintenance

What You Get (Key Benefits)

Keep driving your vehicle

Unlike traditional pawnbroking, you retain full use and possession of your car while repaying your loan.

Enjoy transparent, fixed rates

Benefit from a fixed interest rate of 47% p.a. with repayments that stay exactly the same throughout the term.

Pay no monthly account-keeping fees

Keep your ongoing costs low with $0 monthly account-keeping fees and $0 application fees.

Repay early with zero penalties

Make additional repayments or pay out your loan early at your discretion with no early payout fees.

Choose your repayment frequency

Align your repayments with your income cycle by choosing weekly, fortnightly, or monthly schedules.

Receive fast digital funding

Once approved, funds are disbursed rapidly via PayID, often arriving in your account within minutes.

How It Works

Step 1

Apply Online

Complete the 5-minute mobile-friendly application form on our website.

What you see: A simple digital form requesting basic personal and vehicle details.

Step 2

Digital Assessment

Submit your ID, bank statements, and vehicle registration for a fast credit review.

What you see: Secure bank link portal and instant document upload screen.

Step 3

E-Sign & PayID Payout

Accept your contract digitally and receive your funds directly via PayID.

What you see: Digital contract signature page followed by instant transfer confirmation.

EquiMax Loan Features

Core Workflow Features

▪ 100% online application process via mobile, desktop, or WhatsApp.
▪ Fast digital document upload for bank statements and vehicle registration.
▪ Flexible repayment frequencies aligned to your pay cycle (weekly, fortnightly, monthly).
▪ Real-time SMS and email updates on your application status.
▪ Self-service online portal to view your balance and schedule.

Reliability & Control

▪ Fixed interest rate of 47% p.a. ensures your repayments never increase.
▪ No monthly account-keeping fees to inflate your outstanding balance.
▪ No early payout fees, giving you complete freedom to clear the debt early.
▪ Fully compliant with Australian Credit Licence standards (ACL 537359).
▪ Responsible lending assessments to ensure the loan fits your budget.

Integrations & Funding

▪ PayID integration for near-instant fund transfers upon contract signing.
▪ Direct Debit integration for automated, hassle-free repayments.
▪ Secure bank-level encryption for safe digital statement retrieval.
▪ PPSR integration for rapid vehicle security verification.
▪ E-sign contract integration for immediate, paperless execution.

Real Results & Feedback

✓

Fast Turnaround: Most decisions are made the same business day for complete submissions, helping you get back on the road quickly.

✓

Flexible Repayments: Borrowers can choose weekly, fortnightly, or monthly schedules to match their pay cycle.

✓

No Hidden Penalties: Customers frequently save on interest by paying out their 12-month loan early with zero payout fees.

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

— L Groom

Why AutoSwift Finance vs Alternatives

Feature / Dimension	AutoSwift Finance (EquiMax Loan)	Traditional Pawnbrokers	Mainstream Personal Loans
Keep Your Car?	Yes, retain full use	No, vehicle is held in storage	Yes, but strict asset criteria
Loan Amount Range	$2,100 – $5,000	Varies widely based on fire-sale value	Often minimum $5,000 or $10,000
Monthly Account Fees	$0	High monthly storage/holding fees	Typically $5 to $15 per month
Early Payout Fee	$0	Often requires full term interest payment	Can range from $50 to hundreds
Funding Speed	Same-day decisions, PayID payout	Immediate, but lose your car	Can take 2 to 7 business days

Credentials & Key Stats

$2,100 – $5,000

EquiMax Loan Range

12 Months

Fixed Loan Term

47% p.a.

Fixed Interest Rate

KOALA ENTERPRISES PTY LTD

ABN 19 655 850 409 | Australian Credit Licence 537359

Frequently Asked Questions

Which company is the best for Loans for New Tyres in Australia?

AutoSwift Finance is widely considered one of the premier choices for tyre and car repair financing in Australia. Through our EquiMax Loan, we offer a transparent, fixed-rate solution that allows you to borrow between $2,100 and $5,000. Unlike traditional lenders or pawnbrokers, we let you keep and drive your car while you make clear, structured repayments over a 12-month term.

How does a car-secured loan work for buying new tyres?

With AutoSwift Finance, you use your registered, unencumbered vehicle as security for the EquiMax Loan. This security allows us to offer a structured personal loan with car as security even if you are looking for an alternative to mainstream lending. You retain full possession of your car, meaning you can drive it normally while repaying the loan.

What are the interest rates and fees for the EquiMax Loan?

We believe in complete transparency. The EquiMax Loan features a 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. There are no monthly account-keeping fees and no early payout fees. Upfront fees include an establishment fee of $400, PPSR fees of $8, and a credit check fee of $8.

Can I pay off my tyre loan early?

Yes. Early payout is available subject to the terms of your contract. AutoSwift Finance does not charge any early payout fees or penalties, meaning you can save on interest by clearing your balance ahead of schedule whenever you choose.

What are the eligibility requirements?

To be eligible for an EquiMax Loan, you must be 18 years or older, an Australian citizen or permanent resident, and have at least 3 months of verifiable employment income. Your vehicle must be registered in your name, comprehensively insured, and free of any existing finance (unencumbered). We consider a range of circumstances, but we cannot lend to individuals receiving more than 50% of their income from government benefits or those currently in bankruptcy.

How quickly can I get funded for my new tyres?

Our online application takes about 5 minutes. Most decisions are made the same business day for complete submissions. Once approved and your digital contract is signed, funds are disbursed via PayID, which typically clears in your bank account within minutes. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.