Same-Day Car Secured Loans for Everyday Australians (Without Surrendering Your Vehicle)
Unlock $2,100 to $5,000 against your registered car with a fixed repayment schedule and keep driving your vehicle.
Calculate Your Repayments
Use our calculator to estimate your potential schedule.
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 loan australia designed for everyday Australians who need quick access to cash for short-term cash flow needs. By using your car as security, you can access between $2,100 and $5,000 while retaining full use of your vehicle. This product offers an alternative to mainstream lending with a fixed 12-month term, clear fee disclosures, and no ongoing monthly account-keeping fees.
What You Get with AutoSwift Finance
Keep driving your vehicle
Access the funds you need for urgent expenses without surrendering your car or disrupting your daily routine.
Secure a fixed interest rate of 47% p.a.
Enjoy complete predictability with repayments that stay exactly the same throughout your 12-month term.
Pay no monthly account-keeping fees
Keep your borrowing costs transparent with zero ongoing monthly fees and no early payout penalties.
Receive fast decisions
Get a rapid response with many applications approved under 1 hour approval* once all documents are submitted.
Access instant funding via PayID
Receive your funds directly into your account 7 days a week once all approval requirements are met.
Enjoy flexible repayment options
Align your loan with your cash flow by choosing weekly, fortnightly, or monthly repayment schedules.
How It Works
Apply Online in 5 Minutes
Complete our simple, mobile-friendly online application form with your personal and vehicle details.
What you see: A clean digital form requesting basic ID and vehicle registration details.Fast Credit Assessment
Our team conducts a thorough credit assessment to ensure the loan is affordable and fits your circumstances.
What you see: Real-time status updates as we verify your details and assess your vehicle.Get Funded via PayID
Once approved, sign your contract digitally and receive your funds directly via PayID, available 7 days a week.
What you see: A digital contract signature page followed by an instant bank transfer confirmation.Common Use Cases for Our Secured Loans
We consider a range of circumstances to help everyday Australians access the cash they need when unexpected expenses arise.
Urgent Funeral Costs
A customer with a stable income and solid repayment track record needed to cover urgent funeral costs. AutoSwift Finance worked closely with them to gather documents quickly, completed responsible lending checks, and funded the loan the same day.
Credit Rebuilding (Rental Bond)
An applicant with stable employment and consistent on-time repayments across all commitments needed a rental bond. While a lump sum upfront wasn't feasible, ongoing instalments were well within capacity.
Non-Citizen Holiday Loan
A non-citizen with stable employment and healthy cash flow had difficulty securing finance elsewhere. AutoSwift Finance assessed their visa status against the loan term coverage and approved where affordability and visa conditions were clearly met.
Urgent Car Repairs
When your primary vehicle needs immediate mechanical work to keep you on the road, same-day loans secured by your car can bridge the gap.
Household Bills & Cashflow Gaps
Manage unexpected utility bills, medical costs, or temporary cashflow gaps with structured short-term loans.
Work Tools & Equipment
Purchase essential tools or equipment to maintain your livelihood, using secured financing to fund the upfront cost.
EquiMax Loan Features
Core Workflow Features
- Simple 5-minute online fast application process.
- Upload bank statements and vehicle registration documents digitally.
- Real-time application tracking and SMS updates.
- Digital contract signing for rapid execution.
- Flexible repayment frequency: weekly, fortnightly, or monthly.
Reliability & Control
- Fixed interest rate of 47% p.a. ensures your repayments never change.
- No ongoing monthly account-keeping fees to worry about.
- Option to make additional repayments at your discretion.
- Early payout is available subject to the terms of your contract.
- AutoSwift Finance assesses your ability to repay without substantial hardship.
Integrations & Export
- Secure bank statement integration via trusted, encrypted portals.
- Instant payout via PayID, operating 7 days a week once requirements are met.
- PPSR and credit check integrations for rapid asset verification.
- Easy export of your fixed repayment schedule for personal budgeting.
- Direct debit integration for automated, hassle-free repayments.
Real Outcomes for Real Australians
- $2,100 to $5,000 unlocked against registered vehicles for eligible borrowers.
- 100% online management from application to final repayment.
- 7 days a week funding availability via PayID once all requirements are met.
- 12-month fixed terms providing clear, predictable paths to debt-free ownership.
"We needed urgent funds for car repairs and didn't want to lose our vehicle. AutoSwift Finance made the process incredibly straightforward. We secured the EquiMax Loan quickly, kept our car, and have a clear repayment plan."
— Satisfied Customer, QLD
How AutoSwift Finance Compares
| Feature | AutoSwift Finance (EquiMax Loan) | Typical Mainstream Lender | Traditional Pawnbroker |
|---|---|---|---|
| Keep Your Car | Yes, keep driving | Yes | No (must surrender vehicle) |
| Application Speed | Under 1 hour approval* | 2-5 business days | Immediate but high friction |
| Repayment Clarity | Fixed 12-month term | Variable terms | Often short/unclear terms |
| Monthly Fees | $0 monthly fees | Varies | High ongoing storage/admin fees |
| Funding Availability | 7 days a week (PayID) | Business days only | In-person hours only |
Our Credentials & Key Stats
Koala Enterprises Pty Ltd ABN 19 655 850 409 trading as AutoSwift Finance holds Australian Credit Licence 537359. Member of AFCA (87780).
Frequently Asked Questions
What is a car secured loan australia and how does it work?
A car secured loan australia is a type of secured finance where you use your registered vehicle as security to access cash. With the EquiMax Loan from AutoSwift Finance, you can borrow between $2,100 and $5,000. The best part is that you keep driving your car while making your fixed repayments.
How fast is the setup and application process?
Our online application takes just 5 minutes to complete. Once submitted, many applications are assessed quickly, with under 1 hour approval* possible for complete submissions.
What are the interest rates and pricing for the EquiMax Loan?
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 ongoing monthly account-keeping fees. Typical fees include an establishment fee of $400 and a credit check & PPSR fee of $16.
Are there limits on how I can use the funds?
The EquiMax Loan is designed for short-term cash flow needs, such as urgent car repairs, registration, household bills, medical costs, or temporary cashflow gaps.
Is my personal and financial data secure?
Yes, AutoSwift Finance uses bank-grade encryption and secure digital portals to verify your bank statements and personal details safely.
What support options are available if I have questions?
Our customer support team is ready to assist you. You can contact us at cs@autoswift.com.au or call 1300 894 686. If you are asking about other products, please note that AutoSwift Finance currently offers only the EquiMax Loan.
Access Cash. Keep Your Car. Apply for the EquiMax Loan Today.
Fast, simple and transparent lending for everyday Australians.
Important Disclaimers & Regulatory Information
All applications are subject to credit assessment and eligibility criteria. AutoSwift Finance is operated by Koala Enterprises Pty Ltd (ACL 537359).
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.
Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Early payout is available subject to the terms of your contract.
T&Cs apply. Subject to eligibility and credit assessment. AutoSwift Finance ACL 537359.