FAQ

Can I apply for a loan? How do I qualify?

EFT Capital can process a loan for any Individual that meets the below criteria:

  • Over the age of 18yrs old
  • Currently an Australia Citizen, residents or hold a valid working visa
  • Have a bank account that is lined to internet banking
  • Have regular income going into a bank
  • Have at least 90 days of bank statement (we can supply you with a link to easily upload)
  • We provide vehicle loans in Australia.
Our online application process should take you no longer than 10 minutes. Once we’ve received your online application is, we’ll make sure a staff member process it within 24 hours. In most cases you will have an answer within hours.

Unfortunately we will not be able to assist. There are many other options before applying for a loan:

Yes, we accept applications from ABN Holders. We will need to prove your income by obtaining a 3 month bank statement.

Yes, but we will need to proof that you are earning a regular income from an Australian employer. EFT Capital is a friendly visa loan company that assists with loans for various visa classes.

Unfortunately no, whilst you under any debt agreement we won’t be able to assist. If you have been successfully discharge we will be more than happy to accept an application

Yes, as a responsible lender we will preform a credit check.  The credit check will only be performed in the final steps of the application process.  We current use the below Credit reporting body:

Fees and interest are subject to a full assessment being conducted. Our friendly staff member will be able to provide you with repayment amounts once an assessment has been completed

You can apply online for any amount between $5000 and $20 000. We accept applications from visa holders, residents and citizens.

Absolutely yes. We here to assist our existing client for any requirements they might have. Please get in touch without staff to discuss your options.

Our friendly staff member will contact you as soon as a decision has been made. We can then discuss the terms of the offer.

Yes, we don’t charge any early repayment penalties. We encourage any-one to make additional repayments to save yourself interest charges.

Applying with EFT Capital is completely free. If we can assist you with your finance request, a staff member will notify you and answer any further question you might have.

Our loans term spans from 1 – 3 years.  If you are a visa holder, we can tailor a loan term that matches your existing visa expiry date.  We will require you to have at least 12 months validity left on your current visa.