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Swoosh Finance

Swoosh Finance

 Verified
Swoosh Finance
4.8

255 reviews

Positive vs Negative
95%5%
Average Loan Term4.1 years
Transparency ?
4.4
Customer Service
4.4
Application Process
4.3

 AI reviews summary 

Swoosh Finance receives predominantly positive feedback, with users frequently highlighting the speed and simplicity of the application process. Customer service is a major driver of satisfaction, with specific staff members often praised for their responsiveness and professionalism. However, a segment of users has raised concerns regarding fee transparency, high interest rates, and the outcome of refinancing or "top-up" offers.

Pros
Efficient Application Process: Users consistently describe the online application and document submission as quick, easy to navigate, and stress-free.
High-Quality Communication: Staff members (notably Jelena, Isabella, and Billie) are frequently commended for being polite, helpful, and very fast to respond to email enquiries.
Fast Turnaround Times: Many users report rapid outcomes on their applications, with some noting the entire process from application to approval was completed within hours.
Professional Support: Reviewers highlight the attentive and knowledgeable nature of the customer service team, particularly when guiding users through complex parts of the application.
Cons
Fee Transparency and Costs: Multiple users have flagged high administrative fees, specifically noting that "top-up" loans can incur the same high fees as original loans without prior disclosure.
Communication Gaps in Rejections: There are reports of users being "led on" with conditional approvals or frequent requests for information, only to be met with silence following a final rejection.
High Interest Rates: Some long-term customers have noted that while the service is reliable, the interest rates charged on the loans are high.
Inconsistent Approval Messaging: A few users reported receiving conflicting information regarding their approval status, leading to frustration and a perceived lack of professionalism.
Verdict

Swoosh Finance is a strong option for users seeking a fast, digitally streamlined loan process backed by highly responsive customer service. While the majority of experiences are positive, prospective borrowers should carefully review the fee structure and interest rates, particularly when considering loan "top-ups" or refinancing.

255 reviews
5 Michael Dwyer  · BILLIE was fantastic, easy to deal with and very helpful!
5 Matty  · Isabella has been a great and wonderful help with everything she has done i recommend Isabella for a promotion cheers
5 Anita  · Billie was amazing! So helpful and professional in every aspect. Highly recommend Billie 100%. Many thanks again.
5 Meh  · Billie was amazing very very very good at there job
5 Rai G.  · Very understanding and very helpful with my application. Very Approachable also
5 Kathleen  · Arlo was a great help throughout the application process. Thank you!
John
John
 

Not good. I provided all information promptly and was asked several times to provide the same information that had already been received. The process was slow and not up to standard. Still awaiting a contract although been told a few times it’s been approved. Kind of unprofessional as I was anticipating a quick response and to receive the funds before the weekend but as a result of your incompetence the loan is no longer going to help. Very poor

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Peter Maguire
Peter MaguireNSW
 

This is the second time I have dealt with Billie. Very efficient, communication is quick and easy. It is a very difficult time of the processes and Billie works with compassion. I would recommend his services highly. Show reply

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Reviews with attachments

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Renee B.
Renee B.NSW2 posts
 

Wow I am very impressed with JELENA she has helped me with the whole process. her customer service skills are excellent and she is very responsive and clear with instructions l!!! Thank you Jelena you’re a star Show reply

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Eliseo Herbosana
Eliseo HerbosanaNSW
  Fair Incentive

Good customer service and I’m glad satisfied thank you have great day Show reply

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Kurt H.
Kurt H.
 

Thank you you're an angel. Im grateful for Jelena she was great Show reply

Latest follow-ups

Munz
MunzNSW
 

Cr#p service lead you on Misleading wasting people time Especially [Name Removed] should be working in the tax office

 Follow-up  · Still the same trash service!!!!

Tripper
Tripper4 posts
  Verified

Do not use an asset on loan, they will do anything they can to take it from you if you miss a payment. Fees for missing a payment are ridiculously high. Service over the phone is hard to get and very blunt. Overall very unprofessional. I suggest… Read more

other companies like jacaranda finance (very good to deal with). Was bullied into payout figure higher than original amount or have my vehicle taken. Worst company I have used, steer clear

 Follow-up  · Payout figure was $3600 (borrowed $2200 paid $800 in payments to the loan) Missed 2 payments before being threatened with cease of asset and asset was my vehicle

Positive reviews

Emily Forward
Emily Forward
 

ISABELLA was really easy to work with through the process and she had no issues explaining things is a “dumber” way so I new exactly how to best answer questions Show reply

Tua
TuaQLD
 

Swoosh were relatable efficient and the only financial institution, to give me a chance. I don't have the best credit rating (poor/low) But they took the chance on me. I'm grateful and thankful . All information was provided and user friendly. Definitely highly recommend. Show reply

HLAING H.
HLAING H.VIC
  Fair Incentive

Fast response and Best service. I saw on Facebook and quick apply and easy to get conditionally approved. But you have to genuinely submit the documents what you really need. Show reply

Negative reviews

Lori
Lori
 

I have been with Swoosh for quite some time and have VIP status. When trying to do a top up loan I had Isabella. There were issues around a payslip and she was very rude instead of assisting me as a long time member. My contracts were sent and signed and I was still being harrasswd with messages from Jaykata stating my surname was not on the… Read more

payslip when it clearly was. To say I am disappointed with the way I was treated is an understatement. Hope to have a better experience next time if I choose to return

Anon
AnonNSW42 posts
 

This company is absolutley ridiculous. I currently have a loan, never missed a payment, short term. Went to refinance. They send you an abundance of emails requesting your whole life story, for such a small increase. Then its rejected, yet no response to advise the rejection. You can send endless emails requesting information, then reject loan,… Read more

and silence. Not even the decency to let customers know of the decision. Looks like someone else has recently posted the same feedback. Dont come back with different circumstance trash verbiage, focus on your policies and respect! Pathetic company. Wont be requesting another cent of this company. Loan is nearly done and dusted. The way they treat customers is appalling.

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0sss
0sssVIC28 posts
 

Firstly iam absolutely appuled by this company Firstly the send you text messages to say your application is conditional aproval then the next minute they tell you its not also there were too many staff members sending me different things about this one member asked for a 5 start review if thats ever going to happen they tell lies on Google so watch out everyone iam not recommend them to anyone

Recent reviews

Dana-Lee dickson
Dana-Lee dickson
 

ARLI Was such a big help made it so easy to go though the application and to help get my bank statements though so I would like to give a big thank you for all your help I really appreciate it Show reply

Syed Muhammad Shan e Ali
Syed Muhammad Shan e Ali
 

had a great experience with Swoosh Finance. The application process was smooth and easy, and the communication was excellent throughout. Jelena was very helpful, professional, and supportive. She guided me through the process and made everything clear and stress-free. Thank you for the great service and support! Show reply

Billy P.
Billy P.
 

I had been take another fast loan! Noting better then swoosh place! Customer service is the best and very helpful service!!.. Swoosh is thr best place to loan with low credit score!! . Show reply

Tiesha L.
Tiesha L.QLD
 

Billie has been assisting with my loan top up and has been very helpful and punctual with his quick responses. I'm very happy with the service Billie has provided Show reply

Emma
EmmaQLD
 

Billie is great, she is working very hard to help me with my loan, to make my weekend away come true and for my daughter to get her braces. Very fast and reliable Show reply

Matt
MattVIC
  Fair Incentive

Customer Service was great easy to deal with But wouldn’t bother as they run you around for nothing even when you receive emails and messages for you to apply then you waiting for the not approved email or message Go somewhere else dnt go through swoosh finance try (harmoney finance) better off better rates Show reply

Jade
JadeNSW
 

I am so pleased with the exceptional service I received from your company. From the initial contact, everyone was incredibly helpful and professional. The quality of your products/services truly exceeded my expectations. It's refreshing to experience such dedication to customer satisfaction. I will certainly be recommending your business to… Read more ·  1

friends and family. Your team has a remarkable ability to make clients feel valued. Thank you for a truly outstanding experience. I look forward to engaging with you again in the future.

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Scott
ScottVIC
 

JELENA was professional, reliable, and easy to work with. She communicated clearly throughout the process, was attentive to details, and always followed through on her commitments. Her positive attitude and willingness to help made the experience smooth and stress-free. I would highly recommend Show reply

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Tienwan Chotmanee
Tienwan Chotmanee2 posts
  Fair Incentive

Excellent service from start to finish. JELENA made the personal loan application process simple, stress-free, and easy to understand. She was professional, responsive, and kept me updated throughout the entire process. I really appreciated her support and dedication in helping me secure the loan. Highly recommended! Show reply

Axel
AxelQLD
 

Overall my experience with swoosh has been very good, stress free and quite easy due to the staff and team especially Jelena, I would highly recommend using these guys if your looking for finance Show reply

Faavae
Faavae
 

Isabella was so fast and straight to the point. The whole process was easy and stress-free. People don't like lengthy processes, and she made everything quick, simple, and efficient Show reply

Adreanne
AdreanneQLD2 posts
 

First time with Swoosh Finance and had the best customer service experience I've ever had with ARLI. ARLI was so quick to respond and helped me through the whole process of my application and made it easy. Highly recommend. Show reply

Nicole
NicoleNSW4 posts
 

Isabella was extremely efficient and responsive with all communication and knowledge of resources. I would recommend using SWOOSH due to the ease of communication and application process. Show reply

guy
guyNSW
 

Isabella was a great help with my application. Customer service skills are top notch, which is nice for a change. The whole process from start to end is simple and quick. As i wasnt asble to speak over the phone, Email correspondence was swift and prompt. Very satisfied and will deffinetly refer/recommend these guys. Show reply

Matt
MattWA3 posts
 

I find them to be company that simply teases you with an “Offer” then declines.. Simply to build up numbers with nonsense! Swoosh are complete waste of time energy and definitely money!!

Swoosh Finance
Swoosh Finance    

Hi Matt, we’re sorry we couldn’t help you out this… Read more

Onella K.
Onella K.QLD3 posts
 

Billie was very helpful with the assistance with my loan application and documents required. Billie was prompt with replies and clear information. Thank you Billie for your help. Appreciate. Show reply

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