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Fund your future plans with a fair-rate loan that offers flexible repayment and easy instalments.

We’ve simplified the process. Apply for your loan in minutes, without painful paperwork or waiting in queues.

Bad credit loans Melbourne

Getting bad credit loans in Melbourne approved has never been easier than with EFT Capital. We know finding an accessible company offering loans is commonly seen as a long process that requires filling a lot of paperwork and waiting for days and even weeks to get approved; but here at EFT Capital we make this process as easy and straight forward as possible, so you can complete your application, have an expert staff member from EFT to assess it, and get it funded within one business day! With EFT Capital it does not matter if you’re searching for bad credit loans in Melbourne, because we’re here to make sure you find a loan product that truly adapts to your requirements.

Over 20 years of experience in this industry have given us the knowledge needed to understand our clients’ requirements and work towards helping them achieve their goals without taking much of their time. With EFT Capital providing bad credit loans in Melbourne, it does not matter if you have a subprime credit, you can also access to one of our loans and borrow some money to get out of a difficult situation.

We’re a world class supplier of loan products, and we’ve earned our position as the main providers of business loans, debt consolidation loans, vehicle loans, and personal loans, as well as bad credit loans in Melbourne. We make sure all our clients’ needs are covered and continually improve satisfaction among people who want to acquire bad credit loans in Melbourne without much hassle and not taking too long to complete the process. Contact us today so we can give you the details about our products and why EFT Capital has become a mandatory mention amongst loan products providers. We’re EFT Capital, the real experts in this field; we’re eager to know more about you!

Our Services


Personal Loans

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


Vehicle / Car Loans

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


Debt Consolidation

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


Business Loans

Bank upon EFT capital for all types of business fund requirements.

Online Loan Application

    Check your eligibility

    • Step

      Submit an application online.Apply Online

    • Step

      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

    • Step

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

    • Step

      If approved, loans terms will be provided and contract issued

    • Step

      Client to sign contract electronically or manually

    • Step

      Funds transfers to your bank account

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