Swoosh Finance Car Loans

Swoosh Finance NZ can cut the long wait short for you with a loan you can get within the same day as your application. They offer quick financing whenever you need it because you can apply 100% online. They do most of the paperwork so you can focus on selecting the car you want.

Swoosh Finance practices responsible lending — they’re transparent on fees and won’t keep you in debt. They’ll help you repay your loan easily. Swoosh loans vary from personal to car loans, and from home equity to leisure finance. Because they have many offers, you can be assured of their experience and credibility.

Compare Swoosh loans from other car loan offers in NZ and find out which best suits your needs!

swoosh finance car loans nz

Why get a car loan from Swoosh Finance NZ?

Swoosh loans make everything convenient for you. You can get funds transferred fast and make repayments for as long as 7 years. This all depends on your preferences. With this much control, you can be confident about making repayments. You’ll worry less, and enjoy your car more. After all, buying your dream car is why you sought for financing in the first place.

Responsible lending practices

Responsible lending is practiced through assessing the loan affordability, and the borrower’s income and credit. To assess the loan affordability, they verify the borrower’s financial situation in relation to the loan. They also verify the income because the loan amount will be based on this. In assessing the loan’s suitability for you, they’ll also do a credit check.

Swoosh Finance Secured Car Loans NZ - Interest Rates & Fees


You can borrow an amount ranging from $5,000 to $100,000 which you can repay from 3 months to 7 years on a weekly, fortnightly or monthly basis. To ensure regular repayments, you can set-up auto payments from your bank account. Loan application can be done online in less than 5 minutes where they’ll access your last 90 days of bank statement history. If there are no issues with your credit history, you can get approved in 60 minutes and get the funds transferred overnight. Since car loans are secured, the asset you’ll render, such as a vehicle, boat, motorbike or home, should be registered under your name.

Fees and charges

Interest rate varies from 6.35% to 18.95% p.a. based on your personal circumstance.You can also pay a once-off broker fee of $450 depending on your credit profile. Establishment fee will vary with the lender.


To qualify for Swoosh loans, you must meet the following requirements and provide the supporting documents in your application:

  • Must be above 22 years of age. If you’re 22 and below, you need a parent as a guarantor.
  • Must be a permanent New Zealand resident
  • Be employed for at least 3 months
  • Must have a driver’s licence
  • Have minimum earning of $450 per week

Provide online banking details (including your account number), information on your income and expenses, employment details or Social Security payment details, and information on the physical asset you’ll use as security