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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.

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

Personal Loans

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


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

Debt Consolidation

Bank upon EFT capital for all types of business fund requirements


Personal Loans

If you could use some ready cash, a personal loan could be the perfect solution. Personal loans are the most common sort of loan.

Typically, they’re taken out to cover financial emergencies, or to purchase necessities. Easy and fast to take out, you can apply for loans online anytime you’ve got a few spare minutes and an internet connection.

There are two main types of personal loans: a secured loan and an unsecured loan. If you take out a secured loan, you will need collateral. Collateral is an asset (such as a motor vehicle) that can be sold to pay back the loan if you default on the payments.

In contrast, an unsecured loan is approved based on factors such as your credit history, income, current employment, and related variables – no collateral is required.

Apply for your personal loan online or get in touch with us to discuss your situation!

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Vehicle/Car Loans

Although vehicles can be purchased using a personal loan, if you’ve got a less-than-ideal credit history, have a lower income, or have circumstances that mean you may not get the advantageous loan rate you’re looking for, if you’re considering buying a car, a specific vehicle loan may be the best choice.

There are various types of vehicle loans. The most common type works on the basis that the vehicle you buy acts as collateral if you’re unable to keep up with the repayments, with the car taken and sold to cover the balance of the loan in the event of non-payment.

We offer loans for both new and used vehicles. Make that dream car a reality. Apply for vehicle loans online or give us a call on 1300 722 744

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Debt Consolidation Loans

Are you struggling to meet monthly payments on a number of different loans? Multiple loans can be hard to keep track of, increasing the chances of accidentally missing a payment and facing additional charges as a result.

Some people may have borrowed at a high rate of interest and need to find a way to switch their borrowing to more favourable terms. In these circumstances, a consolidation loan could work well.

When you look for instant loans online, a consolidation loan is a loan that’s taken out to repay existing borrowing. When the consolidation loan repays several loans, borrowers end up with just one repayment to make each month. A consolidation loan can also be used to repay high interest borrowing or to spread borrowing over a longer period of time, potentially reducing monthly payments.

Contact EFT Capital to discuss your requirements and arrange your debt consolidation loan!

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Business Loans

Business loans are often needed to grow a business, resolve temporary cash flow issues or invest in new equipment or a fresh product line. The process for obtaining business loans is much easier than it used to be – it’s possible to get instant loans online that are ideal for business use.

If chosen carefully, a business loan can generate additional profits that are greater than any interest that needs to be paid to service the loan.

If you’ve got a financial emergency that requires fast funding, apply for an instant loan online or contact us to discuss your circumstances.

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How Can We Help You?

We sail you through unexpected times.

We support our customers by providing them with loans like personal loans, business loans, debt consolidation loans, and vehicle loans.

We stand by you during financial hardship and provide you a loan with interest rates that won’t harm your pocket.

We provide instant approval loans online in case of any financial emergency.

We are created with the motive to uplift the lifestyle of Australians and be with them for every financial need.

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    Check your eligibility

    Online Loan Application

    Submit an application online. Apply Now

    Upload all your supportive documents to your application or you can email it directly to us: charl@eftcapital.com Documents will be 2 payslips, 3 month bank statement, copy of driver’s license or passport, medicare card or bank card

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

    If approved, loans terms will be provided and contract issued

    Client to sign contract electronically or manually

    Funds transfers to your bank account

    Loan Calculator - Plan Your Budget

    EFT Capital, fulfilling the needs of every Australian and delivering happiness!

    Plan your budget with an EFT loan calculator and apply for the loan you need. Take out time from your busy schedule and draft a budget that suits your income.

    Our calculator will help you in forming a constructive and profitable business plan.

    Choose the best solution that suits your business needs by calculating your monthly payments on our range of loans and work out the best repayment plan for your business.

    Man Planning Budget


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    26 weeks156 weeks
    Your repayments are every weeks

    The information which you calculate from this calculator is intended for use by you as a guide only. It is not an offer and has no legal effect on any contract entered into by you 'the client'. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice. Should you apply for any loan, we will make our own calculations. All repayments are displayed 'are guide only', repayments as a result of this simulation have no legal offerings. EFT Capital accepts no responsibility for any losses arising from any use of or reliance upon any calculation or conclusions reached using the calculator. Information provided on this calculator does not constitute an offer of finance. Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply.

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    Why Choose EFT Capital?
    • Instant Approval
    • Minimal documentation
    • Flexible term
    • Online Instant Loans
    • Multiple loan options
    • Receive funds in as little as a day
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