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 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
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 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
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
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
- 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.
- Call 1800 007 007 anywhere in Australia to talk to a free and independent financial counsellor.
- If you are on Centrelink, you can request an advance www.humanservices.gov.au/advancepayments
- For lots of other advice, you can visit the Australian governments Moneysmart website www.moneysmart.gov.au
- Equifax Pty Ltd
- www.equifax.com.au