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.

Best Online Loans for Bad Credit

If you have a debt problem and you believe a debt consolidation loan could help, EFT Capital is the right place to visit. Or no! You can just apply for the best online loans for bad credit from the comfort of your house. We know that sometimes loans can be a powerful way to regain control if your loan repayments are less than your debt repayments. Naturally, conditions apply, and loan approval is subject upon suitability and credit assessment. We set the difference from other businesses offering the best online loans for bad credit because we have over 20 years of experience in this field and have learned the type of service our clients expect from us when looking for the best online loans for bad credit.

Get out of that difficult financial situation by applying for the best online loans for bad credit today and getting them approved as soon as possible. At EFT Capital we know that a debt consolidation loan may help people with bad credit by simplifying repayments into a single payment plan with one interest rate. We may be able to work with you to come to a repayment schedule that best works for your situation.

If you are interested in the best online loans for bad credit, then EFT Capital is the best business to trust. With our exceptional customer service, we exist to support you on your journey out of debt. We are committed to being honest and transparent throughout all our communication. When you have bad credit, it may feel like you are alone and have few options, but we’re here help you manage your debt effectively to stay out of debt.

We’re EFT Capital, your allies when you’re having a tough time and the business offering the best online loans for bad credit.

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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