1. Acceptance of these terms
These terms apply to the Koala Loans website (the Site), which is operated by Swift Loans Australia Pty Ltd (ABN 59 600 167 084, Australian Credit Licence 461533), trading as Koala Loans (“we”, “us” and “our”). By using the Site you agree to these terms. If you do not agree, please do not use the Site. We may update these terms from time to time; the version on this page is the one that applies.
2. Who we are
Koala Loans is a trading name and a loan-finding service, not a lender. We do not enter into credit contracts with the people who apply through this Site, we do not make credit decisions, and we do not set the fees or repayments on any loan a credit provider may offer. With your consent, we may sell your application to a lender. We receive a fee only when a lender buys your application.
3. Using the Site
The Site is provided to help you learn about our service and, if you choose, submit an online application. You are responsible for the accuracy of information you enter, and for keeping access to your own devices secure. All content and services on or available through the Site are provided as they stand. We do not make any representation or warranty about the Site or its content, including that it will be uninterrupted, accurate, or without errors or harmful material.
You agree not to misuse the Site, attempt to gain unauthorised access to it, or use it in a way that breaks any law. You indemnify us for claims or liabilities that arise from your breach of these terms.
4. Online applications
When you send a completed online application, we retain the information in it so that, with your consent, we can help find you a loan by referring or selling the application to a credit provider. We may also use third-party service providers to analyse how forms are completed. A credit provider who reviews an application makes their own assessment and decides whether to make an offer.
We will not be liable or responsible for: any failure or delay caused by events beyond our reasonable control, including a failure of telecommunications networks; the Site not meeting your individual requirements or containing defects, as it has not been developed specifically for you; any loss or damage caused by a denial-of-service attack, virus or other harmful material arising from your use of the Site; or access by a third party that results from your failure to keep your own devices or login details secure.
5. Cookies and Site information
We and our service providers may collect Site-related information such as IP address, browser type, pages viewed, and how forms are completed or abandoned. Cookies, pixels, click redirects and tag containers may be used to operate the Site, measure its use, and understand how people arrive from advertisements. In some cases that data may reasonably identify you. By using the Site you consent to that use, including, in limited cases, disclosure to overseas entities involved in operating those tools. Our Privacy Policy explains this in more detail, including how to contact us about it.
We may use your personal information for direct marketing about our service or related offers, other than sensitive information (which we will not use for marketing unless you have consented). You can opt out by emailing team@swiftloans.com.au. We will action that request as soon as practicable.
6. Trade marks and copyright
All copyright, trade marks (including trade marks used for Swift Loans or Koala Loans) and other intellectual property in the Site and its content are owned by Swift Loans Australia Pty Ltd or its related companies unless otherwise noted. You may not copy, adapt or use that material without our prior written consent, except for the limited purpose of using the Site in the ordinary way.
7. Contact and governing law
Questions about these terms can be sent to team@swiftloans.com.au, or by post to PO Box 87, Hawthorn VIC 3122. These terms are governed by the laws of Victoria, Australia, and the courts of Victoria have jurisdiction.
This page was last reviewed on 13 November 2026.