Instant Loans Online

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 Sydney

We know that looking for bad credit loans in Sydney is not an easy task, dealing with a bad credit score is never easy, but here at EFT Capital, we make it our professional goal to help you with it! With a wealth of knowledge in the best practices at offering the best loan products available in Australia, we make sure our clients are able to apply for bad credit loans in Sydney and make sure they can receive them in record time. As a proudly Australian owned and operated business with over 20 years of experience helping clients find the best loans that aren’t only flexible and affordable but also an easy way to satisfy their needs.

Our clients don’t exaggerate when saying EFT Capital leads the way among businesses offering bad credit loans in Sydney and a wide array of loan products in general. Here at EFT Capital, we offer you core loan products to cover all kinds of needs: we supply personal loans (both secured and unsecured), debt consolidation loans, business loans and vehicle loans as well. We’re known for offering loans that are affordable and adaptable to our borrowers’ needs.

At EFT Capital, we’re here to help you get out of a stressful situation of having to look for bad credit loans in Sydney by applying for an instant loan online. We’re the only business offering cash loans, debt consolidation loans, secured loans, and a complete array of loan products you can check on our website, while also making sure the entire process is smooth and completed in record time. We offer a wide array of services as we don’t limit our scope to bad credit loans in Sydney alone. We’re experts at lending money and we have all the tools you need to start with your application online on our website.

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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