Access a Secured Cash Loan for Urgent Expenses Without Surrendering Your Car
Borrow $2,100 to $5,000 against your vehicle with clear, fixed repayments and fast funding.
Get funded 7 days a week*
Application processing times may vary. Approval is not guaranteed and is subject to credit assessment.
Calculate Your Repayments
Repayment amounts shown are estimates only, based on stated assumptions. Your actual repayments will depend on your loan amount, term, and individual circumstances. This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed.
What Is a Secured Cash Loan?
A secured cash loan is a financial product where you borrow funds by using an asset you own, such as a registered vehicle, as security. With the EquiMax Loan from AutoSwift Finance, eligible Australians can access between $2,100 and $5,000 for short-term cash flow needs while retaining full use of their car. This provides a practical alternative to mainstream lending, allowing you to address urgent expenses without losing your daily mobility.
What You Get
Enjoy fixed repayments
Your repayments remain completely unchanged throughout your 12-month term, ensuring absolute predictability.
Avoid ongoing monthly fees
We believe in transparent pricing. There are no monthly account-keeping fees to inflate your costs.
Access fast cash loans
Get a quick decision on your application. We understand that urgent expenses require rapid responses.
Receive fast funding
Once approved, funds can be sent via PayID, available 7 days a week once requirements are met.
Keep driving your vehicle
The EquiMax Loan is designed so you can keep using your car for work, family, and daily life while accessing funds.
Explore EquiMax Loan features
Make additional repayments at your discretion and pay out your loan early with no early payout penalties.
How It Works
Apply Online in 5 Minutes
Complete our simple, mobile-friendly application form with your personal and vehicle details.
What you see: A clean digital form requesting basic vehicle and income details.
Fast Assessment
Our team conducts responsible lending checks to assess your ability to repay without substantial hardship.
What you see: A real-time status tracker showing your application under review.
Receive Your Funds
Once approved, accept your contract and receive your funds via PayID, available 7 days a week.
What you see: A confirmation screen and instant bank transfer notification.
Use Cases
See how everyday Australians use the EquiMax Loan to manage urgent expenses and navigate temporary cashflow gaps.
Rental Bond & Credit Rebuilding
For individuals looking to rebuild credit score profiles. Persona A had stable employment and consistent on-time repayments, but a low credit score in the 300s. By securing an EquiMax Loan for a rental bond, they managed upfront costs comfortably within their ongoing budget.
Non-Citizen Holiday & Travel
Non-citizens often fall outside typical lending profiles. Persona B (credit score 374) had stable employment and healthy cash flow but struggled to find finance elsewhere. AutoSwift Finance assessed their visa status against the loan term and approved the loan where affordability was clearly met.
Urgent Funeral Costs
Deeply personal and time-sensitive situations require compassionate, rapid action. Persona C needed to cover urgent funeral costs. AutoSwift Finance worked closely with them to gather documents quickly, completed responsible lending checks, and provided funding the same day.
Emergency Car Repairs
When your primary vehicle needs urgent mechanical work, a car-secured finance option can help you cover the mechanic's bill immediately so you can stay on the road safely.
Unexpected Medical Bills
Medical emergencies don't wait for payday. Accessing emergency finance allows you to handle healthcare costs without delaying necessary treatments.
Household Utility & Bill Gaps
Manage temporary cashflow gaps and avoid late fees on unexpected bills or registration renewals with a structured, fixed-rate repayment plan.
Features
Core workflow features
- 100% online application and management portal.
- Flexible repayment schedules (weekly, fortnightly, or monthly).
- Real-time bank statement verification for faster processing.
- Direct vehicle registration (PPSR) check integration.
- Personalised customer dashboard to track outstanding balance.
Reliability & control
- Fixed interest rate of 47% p.a. ensuring predictable repayments.
- No monthly account-keeping fees to inflate your costs.
- Comprehensive credit assessment to ensure no substantial hardship.
- Regulated under Australian Credit Licence 537359.
- Clear, upfront fee disclosure with no hidden charges.
Repayment flexibility & compliance
- Option to make additional repayments at your discretion.
- Early payout is available subject to the terms of your contract.
- Dedicated financial hardship support team.
- Member of AFCA (87780) dispute resolution scheme.
- Structured 12-month fixed terms to prevent long-term debt spirals.
Proof of Our Commitment
- under 1 hour approval* is common for fully completed digital submissions.
- 7 days a week funding capability via PayID once all requirements are met.
- 100% transparent pricing with a fixed interest rate of 47% p.a. and no ongoing monthly fees.
- Responsible lending focus ensuring every applicant's capacity is thoroughly verified.
"We needed urgent cash flow to cover a sudden rental bond. Traditional lenders turned us down due to a low credit score, but AutoSwift Finance looked at our actual repayment capacity and approved our EquiMax Loan. We kept our car and managed the repayments easily."
How the EquiMax Loan Compares
| Feature | AutoSwift Finance (EquiMax Loan) | Typical Payday Lender | Traditional Bank |
|---|---|---|---|
| Loan Range | $2,100–$5,000 | Often under $2,000 | Usually over $5,000 |
| Keep Your Car | Yes, keep driving | N/A (Unsecured or pawn) | N/A |
| Repayment Terms | Fixed 12 months | Very short (weeks) | Long-term (years) |
| Monthly Fees | $0 | High monthly fees | Varies |
| Funding Speed | 7 days a week | Business hours only | Multiple business days |
Credentials & Key Stats
Frequently Asked Questions
What is a secured cash loan and how does it work?
A secured cash loan is a short-term financing option where you use an asset, like your car, as security to access funds. With AutoSwift Finance, you can borrow $2,100 to $5,000 via our EquiMax Loan while keeping full use of your vehicle.
How fast can I get approved and funded?
We offer a fast application process. Many decisions are made the same day for complete submissions, and under 1 hour approval* is possible once all documents are verified. Funding is available 7 days a week via PayID.
Are there any hidden fees or monthly charges?
No. We believe in transparent pricing. There are no monthly account-keeping fees. We charge an establishment fee of $400 and a credit check & PPSR fee of $16.
Can I pay off my EquiMax Loan early?
Yes. Early payout is available subject to the terms of your contract, and we do not charge any early payout fees.
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 you to contact our financial hardship team immediately if your circumstances change.
How does AutoSwift Finance practice responsible lending?
All applications are subject to credit assessment. AutoSwift Finance assesses your ability to repay without substantial hardship by reviewing your income, expenses, and bank statements.
Access the cash you need today while keeping your car on the road.
Apply online in just 5 minutes and get a fast decision on your EquiMax Loan.