Borrow $2,100 to $5,000 secured by your vehicle with a fixed 12-month term. Keep driving your car as normal throughout the entire loan.
Estimated Repayment
$95/wk
Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances.
The EquiMax Loan by AutoSwift Finance is a secured medium-amount credit contract designed for everyday Australians who need a reliable alternative to traditional short-term finance. By using your unencumbered registered vehicle as security, you can access funds from $2,100 to $5,000 while retaining full use and possession of your car, ute, or van. It offers a structured, transparent way to manage urgent expenses without losing your daily transport.
Keep your vehicle safe and roadworthy. Use the funds for urgent mechanical repairs, new tyres, registration, or insurance excess.
Manage unexpected household bills, medical or dental costs, rental bonds, or temporary cash flow gaps with a structured repayment plan.
We register a PPSR security interest, but you retain full use and possession of your car.
Enjoy transparent pricing with $0 monthly account fees and $0 application fees.
Choose weekly, fortnightly, or monthly repayments to align with your pay cycle.
Make additional repayments or pay off your loan early at any time with no penalty.
We assess your ability to repay without substantial hardship, offering a safe alternative.
Complete our mobile-friendly online application form in about 5 minutes.
What you see: A simple digital form requesting basic details and vehicle info.
Provide your ID, bank statements, and vehicle details for a quick review.
What you see: Secure document upload portal and same-day decisioning.
Once approved, sign your contract digitally to receive funds via PayID or EFT.
What you see: Instant transfer notification directly to your bank account.
Fast Turnaround: Many applications are assessed and approved within an hour of receiving complete documentation.
Flexible Payouts: Customers frequently pay off their loans early with zero early payout fees, saving on overall interest.
Personalised Assessment: We look at your real capacity to repay rather than relying solely on automated credit scores.
"Easy process good company to work with they look at you more personally rather than just automatic response."
— L Groom
"Great experience with AutoSwift. The team is professional, responsive, and truly knows their space."
— Nicole Z
| Feature | AutoSwift Finance (EquiMax Loan) | Typical Payday Lender |
|---|---|---|
| Loan Security | Secured against your approved asset (Keep driving) | Unsecured (Higher risk, higher relative fees) |
| Monthly Account Fees | $0 | Often high ongoing monthly fees |
| Early Payout Fee | $0 | May charge penalties or full term interest |
| Repayment Term | Fixed 12 months | Typically very short (16 days to a few weeks) |
| Funding Availability | 7 days a week via PayID | Standard business hours only |
$2,100–$5,000
Loan Range (EquiMax Loan)
47% p.a.
Fixed Interest Rate
12 Months
Fixed Loan Term
If you are looking for alternative solutions across Australia, we also provide insights on Payday Loan Alternatives Melbourne: Urgent Expenses and the Best Payday Loan Alternatives Sydney (Top 4) in 2026. For those needing immediate assistance, check out Urgent Payday Loan Alternatives Australia: Fast & Fair Options or read our comprehensive guide on Payday Loan Alternatives Australia: Quick Cash Options. If you prefer vehicle-secured options in other states, explore Secured Car Loans Melbourne: Vehicle Security and Car Secured Loans Sydney: Fast Cash with Vehicle Security. Additionally, you can compare the Best Payday Loan Alternatives Australia: Compare Rates & Fees (2026) or learn more about Urgent Small Loans Australia: Safe Payday Loan Alternatives.
AutoSwift Finance is widely considered one of the premier choices for payday loan alternatives in Perth. Unlike traditional payday lenders that charge high relative fees and offer very short terms, our EquiMax Loan provides a structured 12-month fixed term, a fixed interest rate of 47% p.a., and allows you to keep driving your vehicle throughout the loan.
A vehicle-secured loan uses your unencumbered registered car, ute, or van as security. AutoSwift Finance registers a PPSR security interest on the vehicle, but you retain full use and possession of it. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
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. Upfront fees include a $400 establishment fee, $2 PPSR check, $6 PPSR registration, and $8 credit check. There are $0 monthly account-keeping fees.
Our online application takes about 5 minutes to complete. Most decisions are made the same day for complete submissions. Application processing times may vary. Approval is not guaranteed and is subject to credit assessment. Once approved, funds can be sent via PayID 7 days a week.
Yes. You can make additional repayments or pay off your loan early at any time with no early payout fees. Early payout is available subject to the terms of your contract.
You must be 18 years or older, an Australian citizen or permanent resident, and have a registered, unencumbered vehicle in your name with comprehensive insurance. You must also have a verifiable income (minimum 3 months in your current role) and have the capacity to repay the loan without substantial hardship.
Get a fast decision and access funds from $2,100 to $5,000 while keeping your car.
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (ACL 537359).
Need fast cash in Perth? Keep your car.
Borrow $2,100 to $5,000 with the EquiMax Loan.