Secured Tech Loans for Eligible Australians Without Mainstream Lending Hassles

Unlock $2,100 to $5,000 for essential work tools, laptops, or phones secured against your registered vehicle. Keep driving your car while you repay.

Get funded 7 days a week once requirements are met

All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (ACL 537359).

Start Application How It Works

No monthly account-keeping fees 5-minute online form Keep driving your car

Calculate Your Repayments

Loan Amount $3,500

Loan Term: 12 months

$95

Estimated Repayment

weekly

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Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.

What Is the EquiMax Loan?

The EquiMax Loan by AutoSwift Finance is a specialized car-secured personal loan designed for eligible Australians who need quick access to funds for essential purchases like high-end laptops, smartphones, or work tools. By using your registered, unencumbered vehicle as security, you can access between $2,100 and $5,000 with a fixed 12-month repayment schedule. Unlike traditional pawnbroking or restrictive asset finance, this product allows you to keep full possession and use of your vehicle while you comfortably pay off your new technology.

This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed. Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.

Use Cases for Tech & Work Essentials

Work Tools & Professional Electronics

Whether you are a sole trader, freelancer, or remote employee, having a reliable laptop or smartphone is non-negotiable. If your primary device breaks down, an EquiMax Loan can help you secure a replacement immediately so you do not lose valuable billable hours.

Emergency Tech Upgrades & Cash Flow Support

Avoid the stress of sudden hardware failures. If you need to purchase a high-end computer setup or a modern smartphone for study or work, you can access structured financing quickly. We offer a fast digital application process to keep your life moving.

Mobile friendly AutoSwift loan application

What You Get (Key Benefits)

Keep driving your vehicle

Access the funds you need without surrendering your car, ute, or van. Your daily routine remains completely uninterrupted.

Enjoy zero monthly account-keeping fees

We keep our pricing transparent. There are no ongoing monthly maintenance fees to worry about during your term.

Make additional repayments at your discretion

Take control of your debt. You can make extra payments whenever you like to reduce your balance faster.

Pay off your loan early with no penalty

Early payout is available subject to the terms of your contract, with absolutely zero early exit fees.

Receive rapid funding via PayID

Once approved and your contract is signed, funds can be disbursed directly to your bank account 7 days a week.

Rely on fixed interest rates

With a fixed interest rate of 47% p.a., your repayments stay exactly the same throughout the 12-month term.

How It Works

Step 1

Apply Online in 5 Minutes

Complete our simple, mobile-friendly online application form with your personal and vehicle details.

What you see: A clean, secure digital form requesting basic income and vehicle registration details.

Step 2

Fast Assessment

Our team reviews your application. Most decisions are made the same day for complete submissions.

What you see: Real-time SMS and email updates regarding your assessment status.

Step 3

Get Funded via PayID

Accept your digital contract. Funds are sent directly to your account, available 7 days a week once requirements are met.

What you see: Instant transfer confirmation and clear repayment schedule details.

EquiMax Loan Features

Core Workflow Features

Fully digital, paperless application process
Same-day assessment for complete submissions
Flexible repayment frequency: weekly, fortnightly, or monthly
Direct vehicle equity valuation tool integrated online
Secure bank statement retrieval for rapid verification

Reliability & Control

Fixed interest rate of 47% p.a. ensures predictable payments
No hidden ongoing account-keeping fees
Regulated under Australian Credit Licence 537359
AutoSwift Finance assesses your ability to repay without substantial hardship
Member of the Australian Financial Complaints Authority (AFCA)

Integrations & Funding

PayID integration for near-instant fund transfers
Standard EFT payout option for traditional bank accounts
Automated direct debit setup for hassle-free repayments
Real-time PPSR and credit check integrations to speed up processing
SMS notification system for contract signing and payout alerts

Our Track Record & Customer Feedback

Fast application process: Most complete submissions receive an assessment outcome on the same business day.

Transparent fees: Fixed upfront fees of $416 (including $400 establishment fee, $2 PPSR check, $6 PPSR registration, and $8 credit check) with $0 monthly fees.

Flexible payout: 100% of borrowers have the option to pay out their loan early with zero early payout fees.

"Easy process good company to work with they look at you more personally rather than just automatic response."
— L Groom, AutoSwift Finance Customer

Why Choose AutoSwift Finance vs Alternatives

Feature / Dimension	AutoSwift Finance (EquiMax Loan)	Typical Mainstream Lender	Traditional Pawnbroker
Keep Your Vehicle	Yes — Drive as normal	Yes	No — Asset is held in storage
Monthly Account Fees	$0	Often $5 to $15 monthly	Varies / High storage fees
Early Payout Fee	$0	Can be substantial	Varies
Funding Availability	7 days a week (via PayID)	Business days only	In-store hours only
Interest Rate Structure	Fixed 47% p.a.	Variable or risk-based	Extremely high monthly rates

* This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed. Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.

Credentials & Key Stats

$2,100 – $5,000

EquiMax Loan Range

12 Months

Fixed Loan Term

ACL 537359

Australian Credit Licence

Koala Enterprises Pty Ltd ABN 19 655 850 409 • AFCA Member (87780)

Frequently Asked Questions

Which company is the best for Loans for Phone or Laptop Australia?

AutoSwift Finance is one of the premier choices for Australians looking to secure a loan for a phone or laptop. With our EquiMax Loan, you can borrow between $2,100 and $5,000 secured against your registered vehicle. We offer a fast, transparent online application process, fixed rates, and the unique benefit of keeping your car while you repay.

How much can I borrow with the EquiMax Loan?

Eligible borrowers can access between $2,100 and $5,000. This range is highly suitable for purchasing high-end laptops, smartphones, or complete professional tech setups.

What are the interest rates and fees?

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 no monthly account-keeping fees. Upfront fees total $416, which includes a $400 establishment fee, $2 PPSR check, $6 PPSR registration, and an $8 credit check.

Can I keep driving my car during the loan term?

Yes. The EquiMax Loan is designed so that you retain full use and possession of your registered vehicle while making your scheduled repayments.

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. We encourage all borrowers to review their budget carefully before applying.

How fast is the decision and funding process?

Most decisions are made the same business day for complete submissions. Once approved and the contract is signed, funds can be disbursed via PayID 7 days a week. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.

Ready to Upgrade Your Tech?

Apply for an EquiMax Loan today. Borrow $2,100 to $5,000 secured by your vehicle. Fast online application and clear fixed terms.

Apply Now How It Works