Secure Funding for Work Uniforms, Licences & Training

Unlock $2,100 to $5,000 with the EquiMax Loan to cover essential employment costs. Keep driving your car while repaying.

Access Cash. Keep Your Car.

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

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Calculate Your Repayments

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 car-secured personal loan designed for everyday Australians who need quick access to cash for short-term cash flow needs. By using your registered, unencumbered vehicle as security, you can borrow between $2,100 and $5,000 to cover urgent professional expenses like work uniforms, licensing fees, or training courses. Best of all, you retain full use of your vehicle throughout the entire 12-month fixed loan term.

How You Can Use Your EquiMax Loan

Professional Licences & Accreditations

Securing a new job or maintaining your current role often requires up-to-date professional credentials. Whether you need to renew your heavy vehicle licence, security clearance, or trade ticket, an EquiMax Loan can bridge the gap.

Consider exploring loans for car rego in Australia if you also need to keep your work vehicle legally on the road.

Work Uniforms & Safety Gear

Starting a new trade or corporate role often demands specialized uniforms, steel-capped boots, or high-visibility safety gear. Don't let upfront clothing costs stand in the way of your next career step.

If you are managing multiple household pressures simultaneously, you might also look into loans for gas & water bills Australia to keep your home running smoothly.

What You Get (Key Benefits)

Keep driving your vehicle

Your car acts as security, but it stays in your garage and on the road so you can commute to work.

Fixed interest rate of 47% p.a.

Your interest rate is locked in, meaning your repayments stay exactly the same. Rates and fees apply.

Flexible repayment frequencies

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

No monthly account-keeping fees

We keep our fee structure transparent with zero ongoing monthly maintenance charges.

Early payout with no penalty

Pay off your loan early at any time with zero early payout fees, subject to contract terms.

Fast digital funding via PayID

Once approved and requirements are met, funds can be sent directly to your account 7 days a week.

How It Works

Step 1

Apply Online

Complete our mobile-friendly online application form in about 5 minutes.

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

Step 2

Get Assessed

We review your application, verify your income, and perform a credit assessment.

What you see: A secure portal to upload your ID, payslips, and vehicle registration.

Step 3

Receive Funds

Once approved, sign your digital contract to receive funds via PayID or EFT.

What you see: Instant transfer confirmation directly to your bank account.

EquiMax Loan Features

Core Workflow Features

100% online application process
Digital document upload portal
Fast electronic contract signing
Automated direct debit setup
Real-time application status updates

Reliability & Control

Fixed interest rate of 47% p.a.
No hidden monthly account-keeping fees
Clear upfront fee disclosure ($416 total fixed fees)
Regulated under Australian Credit Licence 537359
Member of Australian Financial Complaints Authority (AFCA)

Integrations & Funding

PayID integration for near-instant disbursements
Standard EFT bank transfers for next-day funding
Secure bank statement retrieval integration
PPSR registry integration for quick vehicle checks
Flexible repayment alignment with payroll cycles

Real Customer Experiences

Personalized Assessment: We look at your individual capacity to repay rather than relying solely on automated credit scoring algorithms.

Fast Turnaround: Most complete applications receive a decision on the same business day.

Flexible Options: If you are facing temporary cash flow gaps, we offer alternative pathways to mainstream lending.

"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?

Feature / Dimension	AutoSwift Finance (EquiMax Loan)	Typical Short-Term Lender
Keep Your Vehicle	Yes — drive as normal	No, or requires surrendering keys
Ongoing Monthly Fees	$0 monthly account-keeping fee	Often $10–$30 per month
Early Payout Penalty	$0 early payout fee	Varies, often penalizes early exit
Funding Availability	7 days a week (via PayID)	Business days only
Repayment Structure	Fixed 12-month term	Variable or highly compressed terms

Frequently Asked Questions

Which company is the best for work uniform, licence, and training loans?

AutoSwift Finance is one of the premier choices in Australia for small, car-secured personal loans. Our EquiMax Loan allows you to borrow between $2,100 and $5,000 to cover essential career expenses while keeping full use of your vehicle.

How does a secured loan with AutoSwift Finance work?

The EquiMax Loan is secured against your registered, unencumbered vehicle (car, ute, or van). Because the loan is secured, we can offer a straightforward application process. You continue to drive your vehicle as normal while making your scheduled repayments.

What are the eligibility criteria?

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 been in your current employment role for at least 3 months with verifiable income, and pass our credit and affordability assessments.

What fees are associated with the EquiMax Loan?

We believe in complete transparency. There is a fixed establishment fee of $400 (deducted from the loan amount), a $2 PPSR check fee, a $6 PPSR registration fee, and an $8 credit check fee. There are no monthly account-keeping fees and no early payout fees.

How quickly can I receive the funds?

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

Can I pay off my loan early?

Yes. Early payout is available subject to the terms of your contract. AutoSwift Finance does not charge any early payout fees, allowing you to save on interest if you choose to settle your balance ahead of schedule.