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Personal Loans

Your best life awaits you. Take a big step towards it with up to $10,000 unsecured loan and up to $20,000 secured. We are here to help cover life's unexpected events.

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Vehicle Loans

Drive your dream with hassle-free private vehicle finance. Buy a vehicle privately or
through a dealer. Flexible terms. Up to $20,000

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Debt Consolidation

Things work better when we work together. Make the most of your budget when you consolidate your loans today.
Combine your existing loans into one; Make it easy to manage consolidation loan.

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Our Services

EFT-Capital

Personal Loans

Know you’ve chosen the best deal for your personal loan when you use EFT Capital.

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Vehicle / Car Loans

Own your dream vehicle with our easy apply online vehicle loans.

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Debt Consolidation

Consolidate all your existing loans into one making it more manageable.

EFT Capital Benefits

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No hidden fees

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Same day funding

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Application is 100% online

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Application process is quick and convenient

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No early repayment penalties

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Friendly teams to assist with any questions

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Flexible repayment terms

Personal Loans

If you could use some ready cash, a personal loan could be the perfect solution. Personal loans are the most common sort of loan.

Typically, they’re taken out to cover financial emergencies, or to purchase necessities. Easy and fast to take out, you can apply for loans online anytime you’ve got a few spare minutes and an internet connection.

There are two main types of personal loans: a secured loan and an unsecured loan. If you take out a secured loan, you will need collateral. Collateral is an asset (such as a motor vehicle) that can be sold to pay back the loan if you default on the payments.

In contrast, an unsecured loan is approved based on factors such as your credit history, income, current employment, and related variables – no collateral is required.

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Vehicle/Car Loans

Although vehicles can be purchased using a personal loan, if you’ve got a less-than-ideal credit history, have a lower income, or have circumstances that mean you may not get the advantageous loan rate you’re looking for, if you’re considering buying a car, a specific vehicle loan may be the best choice.

There are various types of vehicle loans. The most common type works on the basis that the vehicle you buy acts as collateral if you’re unable to keep up with the repayments, with the car taken and sold to cover the balance of the loan in the event of non-payment.

We offer loans for both new and used vehicles. Make that dream car a reality.

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Debt Consolidation Loans

Are you struggling to meet monthly payments on a number of different loans? Multiple loans can be hard to keep track of, increasing the chances of accidentally missing a payment and facing additional charges as a result.

Some people may have borrowed at a high rate of interest and need to find a way to switch their borrowing to more favourable terms. In these circumstances, a consolidation loan could work well.

When you look for fast loans online, a consolidation loan is a loan that’s taken out to repay existing borrowing. When the consolidation loan repays several loans, borrowers end up with just one repayment to make each month. A consolidation loan can also be used to repay high interest borrowing or to spread borrowing over a longer period of time, potentially reducing monthly payments.

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$150 cash back

Refer A Friend

Share the word. Get rewarded with $150.00 cash for referring a friend or family member that successfully applies for a loan. Contact us on 1300 722 744.

How Can We Help You?

We sail you through unexpected times.

We support our customers by providing them with loans like personal loans, debt
consolidation loans and vehicle loans.

We provide fast approval loans online in case of any financial emergency.

Online Loan Application

    Check your eligibility

    • Step
      1

      Submit an application online.Apply Online

    • Step
      2

      Upload all your supportive documents to your application or you can email it directly to us: application@eftcapital.com.au Documents will be 2 payslips, bank statement upload, copy of driver’s license or passport, medicare card and a utility bill.

    • Step
      3

      Our loan specialist will review your application and contact you to discuss.

    • Step
      4

      If approved, loan terms will be provided and contract issued.

    • Step
      5

      Client to sign contract electronically.

    • Step
      6

      Funds transfers to your bank account.

    Why Choose EFT Capital?

    • imageQuick Approval
    • imageFlexible term
    • imageOnline Fast Loans
    • imageMultiple loan options
    • imageReceive funds in as little as a day
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    What Our Clients Say About Us

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