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.

Consolidation Loans for Poor Credit

Trust EFT Capital if you need to Consolidate all your existing loans into one and manage your instalments in one weekly, fortnightly or monthly payment. We offer consolidation loans for poor credit so we can help our clients when they need us the most and give them some room to breathe when the situation is not as good as it should be. If you’re dealing with stress because you can’t find a lender from which you can borrow to improve your financial recovery, then you should trust EFT Capital, home of the leading credit providers and the right place to look for consolidation loans for poor credit.

With our help at EFT Capital, you can finally turn your multiple debt repayments into one, straightforward monthly. We can help you combine your existing loan into a single, manageable repayment system. With debt consolidation, you can keep your debt in check, maintain your credit score, and stay on top of your game. We’re not new to this industry, with over 20 years of experience providing consolidation loans for poor credit scores, we can proudly say we’ve been there for Australians and we do our best to help them regain financial stability no matter the situation they’re going through.

Do you want to know more about our consolidation loans for poor credit and why you should be applying to get one of these approved as soon as possible? It’s easy with us at EFT Capital, it only takes you a few minutes and you can apply through our online platform! We have helped thousands of Aussies and we’re always receiving great feedback for our customer service. We’re proud of having experts who share our values such as transparency, honesty, and professionalism.

We’re here to help you! Trust EFT capital today.

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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