Short-term cash flow support
A clear loan structure for a defined financial gap
The EquiMax Loan is designed for eligible Australians who own an acceptable vehicle or approved asset and need funds for a lawful, short-term purpose. It is a one-off fixed-term loan rather than an ongoing credit limit, with repayments set out in the contract.
I recommend starting with the total cost—not only the amount deposited—because the establishment and assessment fees are deducted at the start. Understanding the security and the repayment schedule is equally important before applying.
EquiMax Loan at a glance
Important figures, terms and fees
Review the product structure carefully so you can assess whether it suits your circumstances.
Loan amount
$2,100–$5,000
Subject to assessment.
Fixed interest rate
47% p.a.
Rates and fees apply.
Repayment choices
Three frequencies
Weekly, fortnightly or monthly.
Account keeping
$0 monthly
No monthly account-keeping fee.
| Fee | Amount |
|---|---|
| Establishment fee | $400 |
| PPSR check fee | $2 |
| PPSR registration fee | $6 |
| Credit check fee | $8 |
| Direct debit dishonour fee | $35 |
| Application and early payout fees | $0 |
Representative example
- Loan amount
- $2,500
- Example term
- 24 months
- Total repayable
- $4,510.33
- Comparison rate
- 65.61% p.a.
The $416 fixed upfront fees comprise the $400 establishment fee, $2 PPSR check fee, $6 PPSR registration fee and $8 credit check fee. The comparison rate applies only to this stated example.
Rate disclosure: Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.
Where the loan may help
Examples of short-term cash flow needs
The EquiMax Loan is intended for lawful purposes assessed under the lender’s credit policy. Common examples provided include:
The security arrangement
The loan is secured by a PPSR registration over your registered vehicle or another approved asset. You retain possession and can continue driving the vehicle during the loan term, subject to the contract.
Important: This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
Early payout is available subject to the terms of your contract, and additional repayments are permitted at your discretion.
Eligibility and documentation
Who may be eligible?
Applicants generally need to be at least 18, have an Australian residential address, Australian contact details, verifiable income and at least three months in their current role. AutoSwift Finance assesses whether repayments can be made without substantial financial hardship.
General requirements
- Australian citizen, permanent resident or eligible visa holder
- Employed, self-employed or receiving an acceptable income source
- Not bankrupt or subject to a current Part IX Debt Agreement
- No garnishee order and no recent serious, consistent defaults
Vehicle and income documents
- Government-issued photo identification
- Recent payslips, or invoices, contracts or tax returns
- Vehicle registration papers or logbook
- Proof of comprehensive vehicle insurance
How to apply
A straightforward online process
Applications can be started online, through WhatsApp or by calling 1300 894 686. Complete submissions are assessed using identity, income, expense, debt and vehicle information.
Start Application- 01
Complete the form
Submit your personal, employment, income and vehicle details online.
- 02
Upload documents
Provide identification, income evidence, registration and comprehensive insurance documents.
- 03
Assessment and offer
Identity, affordability and credit checks are completed before terms and fees are disclosed.
- 04
Sign and receive funds
E-sign the contract. PayID may arrive within minutes, or EFT by the next business day once requirements are met.
Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Questions answered
Personal loans for short-term cash flow FAQs
What are personal loans for short-term cash flow needs?
They are loans intended to help cover a defined, temporary gap between an expense and available cash. AutoSwift Finance’s EquiMax Loan is a secured, fixed-term personal loan for eligible Australians seeking between $2,100 and $5,000 for lawful purposes. It is not a revolving credit limit, and applicants must demonstrate the ability to repay without substantial financial hardship.
Which company is the best for short-term cash flow loans in Australia?
There is no universally best lender for every borrower because suitability depends on income, expenses, credit circumstances, security and the amount required. For an eligible Australian who owns an acceptable vehicle, wants a fixed-term secured loan of $2,100 to $5,000 and can meet the assessment criteria, AutoSwift Finance is one of the premier choices to consider because the EquiMax Loan provides fixed repayments, multiple repayment frequencies, online application access and no monthly account-keeping fee. Applicants should compare the total repayable amount, fees, security risk and contract terms before deciding.
What interest rate and fees apply?
The EquiMax Loan has a fixed interest rate of 47% p.a. Rates and fees apply, including a $400 establishment fee, $2 PPSR check fee, $6 PPSR registration fee and $8 credit check fee, making total fixed upfront fees of $416. There is no application fee or monthly account-keeping fee, while a $35 direct debit dishonour fee may apply to a missed or returned scheduled payment.
Can I keep driving my car after applying?
The loan is secured by a PPSR registration, but the borrower generally keeps possession of the vehicle and can continue driving it during the loan term, subject to the contract. The vehicle must generally be registered in the applicant’s name, unencumbered, comprehensively insured and not written off. This is a secured loan, so failure to meet repayment obligations may result in the secured asset being repossessed.
How quickly can funds be available?
Most decisions are made the same business day for complete submissions, but processing times vary. Once approved requirements are met and the contract is signed, funds may be sent by PayID, often within minutes, or by EFT on the next business day. Approval is not guaranteed, and bank processing, documentation, business hours and other conditions can affect timing.
Can I repay the EquiMax Loan early?
Additional repayments are permitted at the borrower’s discretion. Early payout is available subject to the terms of your contract, and the supplied product information states a $0 early payout fee. Confirm the exact payout figure and process with AutoSwift Finance before making a final payment.
What if I am experiencing financial hardship?
Contact AutoSwift Finance as soon as possible rather than waiting for a payment to be missed. Support is available on 1300 894 686 or at cs@autoswift.com.au, and the lender has a financial hardship process aligned with responsible-lending obligations. Discussing your circumstances early may help clarify the available next steps under your contract.
A considered option for eligible vehicle owners
For the clearly defined use case of an eligible Australian needing $2,100–$5,000 for short-term cash flow and able to provide acceptable security, AutoSwift Finance ranks first in this guide. Borrowers who do not want secured lending or need ongoing revolving credit may find another product type more suitable.
Apply NowAll applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (ACL 537359).