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Unsecured Personal Loans

If you’re stuck in a bit of a rut or even just need some extra cash for a rainy day, check out our options for unsecured personal loans and even apply online.

There is a multitude of different expenses that personal loans can cover including emergency expenses, combining debt, renovations and more!

We offer unsecured personal loans starting from $2 000 up to      $5 000.

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Secured Personal Loans

A secured loan is a method of borrowing money that requires collateral. This basically means you have to provide security for your loan in terms of an asset in the form of a car.

We at EFT Capital can accept an unencumbered motor vehicle to secure against your personal loan.

Our secured loans are great for clients that that at looking to borrow for larger amounts. We offer secured loan from $5 000   to $20 000.

Fulfill all your personal needs with single choice.

Apply For Personal Loans Online

EFT Capital’s personal loans can help you meet your current financial needs. It can be used to renovate your home, wedding expenses, child’s education, a vacation, pay bills, purchasing home appliances, and meeting any unexpected medical expenses or other emergencies.

Our personal loans can be either secured or unsecured. We offer a very easy online application to gather your details for our staff to review.

Your personal information will help us analyse criteria such as income level, credit and employment history, repayment capacity, etc.

It’s a quick turnaround for your convenience and we’ll keep you up to date along the way. Apply now!


$2,000 $20,000
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.

Total you will Pay:

How Much Can I Borrow?

Whether you’ve received an unexpected bill or require something more, we offer a range of personal loans to suit your needs. See below a table outlining our loan amounts

Loan amount Secured options Loan term
$2000 – $5 000 Unsecured or secured 6 months to 3 years
$5 000 – $20 000 Secured only 6 months to 3 years

Who Can Apply For A Personal Loan?

At EFT Capital, we try to service all applicants to the best of our ability. Below you will find our basic criteria of personal loan applications:

  • Over the age of 18yrs old
  • Currently an Australia Citizen, residents or hold a valid working visa in Australia
  • 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)
  • Have an active email address and mobile phone number

What Can I Use a Personal Loan For?

Personal loans can be used for many things. Below are the most common;

Combining Credit Card Debt

  • If you’re having high bills on multiple credit cards, they’re probably costing you a lot in interest payments, also lowering your credit score as well.
  • With a personal loan, you can pay off your credit cards that will reduce your interest charges, and improve your credit score.

Emergency Expenses

  • Every now and then you might have some emergency expense which can not be paid with your income and you can not delay the expense either.
  • For instance, your house needs a new roof in or your floors to need retiling, you may be able to cover the costs on a credit card but this kind of repairs can lead to high card balances that hurt your credit score and leave you in credit card debt.
  • Also true for medical emergencies that are unforeseen, an injury or illness that is not covered in your insurance can add up fast. Using a personal loan to help manage these emergency situations can take some of your stress out.

Personal Events

  • A personal event like weddings often needs a big amount of money, a personal loan can provide a ready pool of cash to help deposits and payments for caterers, florists, venue rentals, etc.

Home remodelling & interiors

  • Your dream interior can cost you a lot of money or if you are making a major improvement to your home, such as a kitchen remodel or expansion of your bathroom, a personal loan could be a great financing option.
  • Reach out to us and obtain the best Australian home loans.

    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: application@eftcapital.com.au

    Documents Needed: 2 payslips,  bank statement upload, copy of driver’s license or passport, medicare card and a utility bill.

    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.