Secure Funding for Study or Course Fees Without Financial Stress

Unlock $2,100 to $5,000 with the EquiMax Loan secured against your registered vehicle. Keep driving your car while you invest in your future.

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

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5-Min Application Keep Your Car Fixed 12-Month Term

Estimate Your Repayments

EquiMax Loan Calculator

Loan Amount $3,500

Loan Term: 12 Months (Fixed)

$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.

What Is the EquiMax Loan?

The EquiMax Loan by AutoSwift Finance is a specialized, small car-secured personal loan designed to help everyday Australians access quick cash for urgent expenses, such as training fees, professional development courses, and essential study equipment. By securing the loan against your registered, unencumbered vehicle, you can unlock between $2,100 and $5,000 with a fixed 12-month repayment schedule. The best part is that you retain full use of your car throughout the entire loan term, ensuring your daily routine and work commute remain completely uninterrupted.

How You Can Use Your EquiMax Loan

Professional Training & Course Fees

Invest in your career progression by funding accredited courses, certifications, or vocational training. Secure the funds you need to pay upfront fees and avoid missing enrollment deadlines.

Essential Study Electronics & Tools

Upgrade your laptop, purchase specialized software, or acquire the physical tools required for your practical training. Ensure you have the right equipment to succeed in your studies.

What You Get (Key Benefits)

Keep driving your vehicle

The loan is secured against your car, but you retain full possession and use of it for your daily needs.

Flexible repayment frequencies

Choose between weekly, fortnightly, or monthly repayments to align perfectly with your income cycle.

Fixed interest rate of 47% p.a.

Enjoy predictable repayments that stay exactly the same throughout your fixed 12-month term.

No monthly account-keeping fees

Avoid hidden ongoing costs. We charge a transparent upfront establishment fee with zero monthly maintenance fees.

Fast digital application

Apply online in just 5 minutes. Most decisions are made the same business day for complete submissions.

No early payout penalties

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

How It Works

Step 1

Apply Online

Complete our simple, mobile-friendly online application form in under 5 minutes.

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

Step 2

Fast Assessment

Our team conducts a data-driven credit assessment to review your ability to repay without hardship.

What you see: Real-time updates and same-day decisions for complete submissions.

Step 3

Instant Funding

E-sign your digital contract. Once approved, funds are sent directly via PayID or EFT.

What you see: Cleared funds in your bank account, ready to pay your course fees.

Product Features

Core Workflow Features

100% paperless online application
Secure digital bank statement verification
Upload vehicle registration documents online
Fast electronic contract signing (E-Sign)
Direct communication via WhatsApp or SMS

Reliability & Control

Fixed interest rate of 47% p.a.
Fixed 12-month term with structured repayments
No ongoing monthly account-keeping fees
Early payout available with $0 early exit fee
Fully compliant under Australian Credit Licence 537359

Integrations & Funding

PayID instant funding integration
Standard EFT next-business-day payout option
Automated direct debit repayment setup
Real-time PPSR and credit check processing
7-day funding availability once approved

Real Results & Feedback

Fast Turnaround: Most complete applications receive a decision on the same business day.
Transparent Costs: Fixed upfront fees ($400 establishment fee + $16 PPSR/credit check) with no ongoing monthly fees.
Flexible Alternatives: A reliable secured lending option for Australians seeking an alternative to mainstream banks.

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

Why AutoSwift Finance vs Alternatives

Feature / Dimension	AutoSwift Finance (EquiMax Loan)	Typical Secured Lender	Unsecured Short-Term Loan
Keep Your Vehicle	Yes (Drive as normal)	Sometimes (May require storage)	N/A (No asset required)
Monthly Account Fees	$0	Often $10–$20/month	Varies (Often high monthly fees)
Early Payout Fee	$0	Varies (May charge exit fees)	Often restricted or penalised
Funding Speed	PayID (7 days a week once approved)	Business days only	Varies

Credentials & Key Stats

$2,100 – $5,000

EquiMax Loan Range

12 Months

Fixed Loan Term

47% p.a.

Fixed Interest Rate

Comparison rate 65.61% p.a. based on a $2,500 loan over 24 months.

Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.

This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.

At AutoSwift Finance, we understand that unexpected expenses can arise at any time. Whether you are looking for loans for fridge or washing machine replacements, or managing urgent household costs with loans for gas & water bills Australia, we provide structured secured options.

We also assist eligible borrowers who need loans for home repairs: secured car options or specific loans for home electrical repairs. If you are facing medical situations, you might consider loans for hospital expenses or general loans for health costs Australia.

For short-term cash flow gaps, we offer alternatives such as loans for rent before payday Australia and loans for car rego in Australia to help keep you moving forward.

Frequently Asked Questions

Which company is the best for study or course fee loans?

AutoSwift Finance is one of the premier choices for Australians seeking alternative, short-term secured financing. With our EquiMax Loan, you can borrow $2,100 to $5,000 secured against your vehicle, allowing you to pay for your courses upfront while continuing to drive your car.

How much can I borrow with the EquiMax Loan?

Eligible borrowers can access between $2,100 and $5,000. All applications are subject to credit assessment and eligibility criteria.

Can I keep driving my car during the loan?

Yes. The EquiMax Loan is secured against your registered vehicle, but you retain full possession and use of the car for your daily commute and personal needs.

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 is a $400 establishment fee and a $16 PPSR/credit check fee, with $0 ongoing monthly account-keeping fees.

How long does the application and approval process take?

Our online application takes about 5 minutes. Most decisions are made the same business day for complete submissions. Once approved, funds can be sent via PayID seven days a week.

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 responsible borrowing and assess your ability to repay without substantial hardship.