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.

Debt Consolidation Low Credit Score

It’s tough to deal with debt, especially when you’re struggling with bad credit score. Here at EFT Capital, we understand the limitations of having bad credit and we take pride in supplying our clients with the best loan product array they can find in Australia, no matter what’s the situation with their credit score. It’s not a secret that mounting debt may affect your credit scores negatively, and bad credit can make it difficult to qualify for lower-interest loans that could help you pay down debt sooner. We’re EFT Capital, and we specialise in an entire array of products that include our debt consolidation for low credit score clients,

A debt consolidation loan may seem like the perfect solution to getting your monthly payments under control. But finding a debt consolidation loan with low credit score can be difficult. In fact, even if you’re approved for a debt consolidation loan with bad credit, you might not receive a better interest rate on the debt you’re consolidating. And you may wind up paying more in fees and interest. It’s possible to get a loan for debt consolidation with low credit score easily here at EFT Capital; where we make every application process an easy and straightforward one.

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. As the leading suppliers of debt consolidation low credit score, we have done everything needed to become the undisputed leaders and the preferred solutions suppliers people can trust when they need debt consolidation.

Get all the information you need to know about our this and other products by contacting us today! Our experts are expecting to hear from you soon!

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

    What Our Clients Say About Us

    google review sign4.9

    star rating

    500 Reviews

    Brands we work with