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About Us

EFT Capital is an Australian registered company based on the Gold Coast that provides loan services Australia wide.

Our core loan products are:

  • Personal loans (secured and unsecured)
  • Debt consolidation loans
  • Vehicle loans
  • Small business loans

We are a small team of skilled staff that strive to assist clients with any finance requirements. We have been helping clients since 2002, executing loans that are flexible, affordable, but most importantly, trying to ensure we satisfy our client’s needs.

Our process

We have a fast and easy process. In most cases, applications are completed, assessed, and funded within one business day.

Our friendly staff is always available to answer any questions and assist you along the way. Everything from applying, uploading documents to transfer funds can be done online. Contracts are signed electronically, and funds are transferred immediately once signatures are verified.

Our dedicated team will always be with you to ensure a speedy approval process and help you with any further requirements.

Our History

Since 2002, EFT Capital has provided fast, convenient, and responsible loan services to Australians from all walks of life. We are based in Gold Coast, specializing in the provision of various finance options. We understand that every individual’s needs are different, and that’s why our customized solution caters to every individual need.


No matter the reason for your loan, we’re here to help along the way. Our online application takes less than 5 minutes to complete. Once approved, we’ll give you all the information you need to start your loan and sign a contract.

Applying is free, and we don’t charge you if your application is unsuccessful.

What type of loan can you get with EFT Capital?

We offer four core loan products:

Check your eligibility

Apply For loan

Submit an application online. Apply Now

Upload all your supportive documents to your application or you can email it directly to us: Documents will be 2 payslips, 3 month bank statement, copy of driver’s license or passport, medicare card or bank card

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

If approved, loans terms will be provided and contract issued

Client to sign contract electronically or manually

Funds transfers to your bank account

EFT Capital Benefits

No hidden fees

Same day funding

Application is 100% online

Application process is quick and convenient

No early repayment penalties

Friendly teams to assist with any questions

Flexible repayment terms

Quick Links


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 personal loans in Australia, consolidation loan, vehicle loans in Australia, unsecured business loans, small business loans and debt consolidation loan.
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. Online instant loans and online cash loans are available subject to lending criteria.
Yes we do accept application from individuals receiving government benefits. EFT Capital will take good care ensuring you can afford a loan under our responsible lending requirements. A cash loan on centrelink income can be discussed with a friendly team member if you unsure about your eligibility There are many other options before applying for a loan:
Yes, our business loan interest rates are competitive. 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 student loan company that assists with loans for student.
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, we provide consolidation loans for bad credit. Consolidation loans for bad credit and personal loans for bad credit Australia can be discussed with one of our friendly staff.
Yes, as a responsible lender we will preform a credit check. EFT Capital assist people that have bad credit or no credit rating at all. 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. Our interest rate compare extremely well against other private lenders in the market.
If you are a new client there is good chance our team will contact your employer to verify your employment. We will be very discreet and not disclose any personal information about your loan application.
Our loans range from $2000 - $20 000 Please note all loans over $10 000 will have to be secured by a motor vehicle. If we are unable to provide you with the loan application you requested, we will look at offering you a reduced amount. A further explanation will be required to ensure the reduced will be suitable for your needs.
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.
Once we have got confirmation you have signed our loan contract, funds will be transferred directly to your bank account. In most case the funds will clear your account instantly.
Yes, we don’t charge any penalties for early payouts. 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.