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.

Loans for Unemployed Melbourne

At EFT Capital we will consider your loan application even if you are unemployed. We believe that nobody should be excluded from fair and affordable credit just because they don’t meet the employment criteria that many other lenders impose. We’ve become a trusted loan products providers in Australia and the first option when people need loans for the unemployed in Melbourne, with over 20 years of experience in the field, we’ve positioned as the first choice among loan solutions providers.

We set the difference from other businesses offering loans for the unemployed in Melbourne because we treat an application from someone unemployed in the same way as any other application, by assessing your income (for example and we will estimate what is affordable to repay, mostly looking at current credit commitments with a credit search as well as current expenditures.

We offer the quickest loans you’ll find in Australia, with comfortably lengthy repayment periods and at very accessible interest rates so you won’t have to sweat your back off to pay for your loan. EFT Capital business for many to look for loans for the unemployed in Melbourne and your one stop shop when it comes to getting products related to the field of loans. Applying for cash loans for the unemployed in Melbourne here at EFT Capital is as easy as planning your budget with the assistance of our EFT loan calculator available on our website, forming a constructive and profitable business plan to make the most out of your loan money, then choosing the best solution according to your needs and planning your monthly payments to get the best repayment plan for you. Feel free to call us if you want to know the details related to our loans for the unemployed in Melbourne and the other loan products, we offer here at EFT Capital. And remember EFT is your ally at getting your finances in order.

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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