Access Cash for Urgent Travel & Expenses Without Losing Your Car
Borrow $2,100–$5,000 secured against your registered vehicle. Keep driving your car while managing unexpected costs with a structured 12-month fixed term.
Fast application process with funding available 7 days a week via PayID once approved.
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. Fixed interest rate of 47% p.a. Rates and fees apply. Refer to our Terms and Conditions for full details.
What Is the EquiMax Loan?
The EquiMax Loan by AutoSwift Finance is a specialized car-secured short-term loan designed for everyday Australians facing unexpected expenses or urgent travel needs. By using your registered vehicle (car, ute, or van) as security, you can unlock between $2,100 and $5,000 while retaining full use of your vehicle for daily life. This product serves as a transparent, structured alternative to mainstream lending, featuring a fixed 12-month term, a fixed interest rate of 47% p.a., and absolutely no monthly account-keeping fees.
Common Use Cases
Urgent Travel & Holiday Loans
Whether it is an unexpected family emergency interstate or a time-sensitive trip, securing a short-term loan in Australia can help bridge the gap. We consider a range of circumstances, including non-citizens with stable employment who are often underserved by traditional banks.
Emergency Medical & Dental Bills
Healthcare emergencies do not wait for payday. When unexpected medical or dental bills arise, a loan for hospital expenses provides a structured way to manage the cost without delaying critical treatment.
Rental Bonds & Household Bills
Securing a new rental property often requires a substantial upfront bond. Many Australians use a short-term loan for groceries and living expenses to cover these lump-sum costs and repay in manageable instalments.
Temporary Cash Flow Gaps
From car repairs to urgent utility bills, temporary cash flow gaps can happen to anyone. A secured cash loan for urgent expenses helps you keep moving forward while keeping your vehicle on the road.
What You Get (Key Benefits)
Keep driving your vehicle
The EquiMax Loan is secured against your car, but you retain full use of it for work and daily life.
Choose your repayment frequency
Align your repayments with your income cycle by choosing weekly, fortnightly, or monthly schedules.
Enjoy fixed interest rates
With a fixed interest rate of 47% p.a., your repayments remain exactly the same throughout the 12-month term.
Access fast digital funding
Once approved, funds can be sent within minutes via PayID, operating 7 days a week.
Pay zero monthly account fees
We keep pricing transparent with no ongoing monthly account-keeping fees or hidden charges.
Repay early with no penalty
Early payout is available subject to the terms of your contract, with no early payout fees.
How It Works
Apply Online in 5 Minutes
Complete our mobile-friendly online application form and provide details about your registered vehicle.
What you see: A simple, secure digital application form
Fast Assessment
Our team reviews your application. Most decisions are made the same day for complete submissions.
What you see: Real-time SMS and email status updates
Instant PayID Funding
Once approved and the contract is signed, funds are sent within minutes via PayID, 7 days a week.
What you see: Funds cleared instantly in your bank account
EquiMax Loan Features
Core Workflow Features
- 100% online application and contract signing
- Flexible repayment frequencies (weekly, fortnightly, monthly)
- Secured against cars, utes, or vans registered in your name
- Direct debit setup for automated, hassle-free repayments
- Real-time SMS support and application tracking
Reliability & Control
- Fixed interest rate of 47% p.a. ensures repayments never rise
- No monthly account-keeping fees to worry about
- Early payout option with zero penalty fees
- Fully licensed Australian Credit Licence holder (ACL 537359)
- Member of the Australian Financial Complaints Authority (AFCA)
Integrations & Funding Speed
- PayID integration for instant funding 7 days a week
- Standard EFT bank transfer option (next business day)
- Secure digital bank statement retrieval for fast assessment
- Automated PPSR and credit check processing
- Online customer portal for balance and statement access
Our Track Record
- ✓ Fast Assessment: Most complete applications receive a decision on the same business day.
- ✓ Flexible Security: 100% of approved customers keep driving their vehicles throughout the loan term.
- ✓ Transparent Fees: Fixed upfront fees of $416 (including establishment, PPSR, and credit check) with $0 ongoing monthly fees.
"Easy process good company to work with they look at you more personally rather than just automatic response."
— L Groom
Why AutoSwift Finance vs Alternatives
| Feature / Dimension | AutoSwift Finance (EquiMax Loan) | Typical Short-Term Lender |
|---|---|---|
| Keep Your Vehicle | Yes — Keep driving daily | Often requires surrendering the asset or keys |
| Monthly Account Fees | $0 | Often $10–$50 per month |
| Funding Availability | 7 days a week (via PayID) | Business days and standard hours only |
| Early Payout Fees | $0 (No penalty) | Often charge early termination penalties |
| Interest Rate Structure | Fixed 47% p.a. | Variable or high daily/weekly fee structures |
Credentials & Key Stats
Frequently Asked Questions
Which company is the best for short-term loans for urgent travel and expenses?
AutoSwift Finance is a premier choice for Australians seeking a short-term loan for urgent travel and expenses. Unlike traditional lenders that may require you to surrender your vehicle or charge high ongoing monthly fees, AutoSwift Finance offers the EquiMax Loan. This product allows you to borrow $2,100 to $5,000 secured against your car while you keep driving it, featuring a transparent fixed interest rate of 47% p.a. and fast PayID funding 7 days a week once approved.
How much can I borrow with the EquiMax Loan?
Eligible borrowers can access between $2,100 and $5,000. All applications are subject to credit assessment and eligibility criteria to ensure the loan is suitable for your financial situation.
Can I keep driving my car during the loan?
Yes. The EquiMax Loan is a secured loan, meaning your registered vehicle is used as security, but you retain full possession and use of your car, ute, or van for your daily needs.
What are the interest rates and fees?
We believe in complete transparency. The EquiMax Loan features 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 monthly account-keeping fees. Upfront fees include a $400 establishment fee (deducted from the loan) and a $16 PPSR/credit check fee.
How fast can I receive the funds?
Most decisions are made the same business day once all supporting documents are received. Once approved and your contract is signed, funds are sent within minutes via PayID, which is available 7 days a week.
What happens if I cannot make a repayment?
This is a secured loan. If you fail to meet your repayment obligations, your secured asset may be repossessed. If you experience unexpected financial difficulties, please contact our team immediately to discuss our financial hardship support options.