LOANS AND SERVICES

We are there for you to help you in any financial circumstance. We provide a range of loan types at best interest rate.

Personal Loans

Personal loans are the best option to fulfill diverse financial needs. Get hassle free personal loans in Australia with EFT capital. Our instant personal loan is available with zero hidden penalties. Convenient and fast 100% online approval. Get your loan approved with just click, and the amount will be credited in your bank account.

Ideal for:

  • White goods
  • Legal fees
  • General bills
  • Rental Bond
  • Holiday
  • Educational expenses
  • Wedding
  • Motor vehicle repairs

Document Checklist

You’ll need to be able to upload the following documents to finalize your loans:

  • Drivers License
  • Passport
  • Medical Card
  • Bank Card
  • Citizenship Certificate
  • 3 Month Bank Statement
  • 2 Recent Payslips
  • Centrelink Income Statement
  • Current Utility Bill
  • Vehicle Registration Document

Vehicle Loans

Drive the car of your dreams with our easy vehicle loans for new, pr-eowned or leased vehicles. EFT Capital offers loans for Cars, two- wheelers and commercial vehicles. Analyse every aspect of the vehicle loans, know precisely what you need to discover and, in the blink of an eye, EFT will offer you the best vehicle loan deal for you.

Ideal for:

  • New and second-hand motor vehicles
  • Motorcycle
  • New and second-hand car
  • Boat and Jet ski

Document Checklist

You’ll need to be able to upload the following documents to finalize your loans:

  • Drivers License
  • Passport
  • Medical Card
  • Bank Card
  • Citizenship Certificate
  • 3 Month Bank Statement
  • 2 Recent Payslips
  • Centrelink Income Statement
  • Current Utility Bill
  • Vehicle Registration Document

Debt Consolidation

Debt Consolidation can be done by availing a personal loan or a debt consolidation loan with a suitable term structure such as a lower interest rate, lower EMI, term, etc. The loan amount that you receive after the loan is sanctioned is used to pay off all multiple debts.Consolidate all your existing loans into one and manage your instalments in one monthly payment with EFT capital.

Ideal for:

  • Refinancing small debts

Document Checklist

You’ll need to be able to upload the following documents to finalize your loans:

  • Drivers License
  • Passport
  • Medical Card
  • Bank Card
  • Citizenship Certificate
  • 3 Month Bank Statement
  • 2 Recent Payslips
  • Centrelink Income Statement
  • Current Utility Bill
  • Vehicle Registration Document

Business Loans

A business loan is a financing that your business needs to meet the urgent needs of growing business. You can bank upon EFT capital for all types of business fund requirements whether it is setting up a new venture or expanding the current one. Avail financing at attractive interest rates, borrow capital without pledging any of your assets, and get access to credit that can be repaid over a specific period of time.

Ideal for:

  • Cash Flow
    shortfall
  • Tax bills
  • New equipment purchases
  • Lease funding

Document Checklist

You’ll need to be able to upload the following documents to finalize your loans:

  • Drivers License
  • Passport
  • Medical Card
  • Bank Card
  • Citizenship Certificate
  • 3 Month Bank Statement
  • 2 Recent Payslips
  • Centrelink Income Statement
  • Current Utility Bill
  • Vehicle Registration Document

Check your eligibility

Apply For loan

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

Quick Links

faq-personal

EFT Capital can process a loan for any Individual that meets the below criteria:
  • Over the age of 18yrs old
  • Currently an Australia Citizen, residents or hold a valid working visa
  • Have a bank account that is lined to internet banking
  • Have regular income going into a bank
  • Have at least 90 days of bank statement (we can supply you with a link to easily upload)
  • We provide personal loans in Australia, consolidation loan, vehicle loans in Australia, unsecured business loans, small business loans and debt consolidation loan.
Our online application process should take you no longer than 10 minutes. Once we’ve received your online application is, we’ll make sure a staff member process it within 24 hours. In most cases you will have an answer within hours. Online instant loans and online cash loans are available subject to lending criteria.
Yes we do accept application from individuals receiving government benefits. EFT Capital will take good care ensuring you can afford a loan under our responsible lending requirements. A cash loan on centrelink income can be discussed with a friendly team member if you unsure about your eligibility There are many other options before applying for a loan:
Yes, our business loan interest rates are competitive. We will need to prove your income by obtaining a 3 month bank statement.
Yes, but we will need to proof that you are earning a regular income from an Australian employer. EFT Capital is a friendly student loan company that assists with loans for student.
Unfortunately no, whilst you under any debt agreement we won’t be able to assist. If you have been successfully discharge we will be more than happy to accept an application
Yes, we provide consolidation loans for bad credit. Consolidation loans for bad credit and personal loans for bad credit Australia can be discussed with one of our friendly staff.
Yes, as a responsible lender we will preform a credit check. EFT Capital assist people that have bad credit or no credit rating at all. We current use the below Credit reporting body:
Fees and interest are subject to a full assessment being conducted. Our friendly staff member will be able to provide you with repayment amounts once an assessment has been completed. Our interest rate compare extremely well against other private lenders in the market.
If you are a new client there is good chance our team will contact your employer to verify your employment. We will be very discreet and not disclose any personal information about your loan application.
Our loans range from $2000 - $20 000 Please note all loans over $10 000 will have to be secured by a motor vehicle. If we are unable to provide you with the loan application you requested, we will look at offering you a reduced amount. A further explanation will be required to ensure the reduced will be suitable for your needs.
Absolutely yes. We here to assist our existing client for any requirements they might have. Please get in touch without staff to discuss your options.
Our friendly staff member will contact you as soon as a decision has been made. We can then discuss the terms of the offer.
Once we have got confirmation you have signed our loan contract, funds will be transferred directly to your bank account. In most case the funds will clear your account instantly.
Yes, we don’t charge any penalties for early payouts. We encourage any-one to make additional repayments to save yourself interest charges.
Applying with EFT Capital is completely free. If we can assist you with your finance request, a staff member will notify you and answer any further question you might have.
Apply Now