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Personal Loan

EFT Capital’s personal loan 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


$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 – $10 000 Unsecured or secured 6 months to 3 years
$10 000 – $20 000 Secured only 6 months to 3 years

Who is eligible to apply for a loan?

At EFT Capital we try service all applicants to the best of our ability. We will hate to waste any-ones time, so here below is a quick guideline of who can apply:

  • 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 things cover-up in a personal Loan?

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.
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.
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.
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.

How many types of Personal Loans are there and How many of them available at EFT capitals


Unsecured personal loans

There is a multitude of different expenses that personal loans can cover. A few of the reasons you could site when applying for a personal loan include medical bills, car repairs, and even renovations. We offer unsecured personal starting from $2000 up to $10 000.


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 any form. 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 $10 000 to $20 000.

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

Benefits of EFT Capital

No hidden fees

It’s free to apply with EFT Capital. We don’t apply a monthly fee on our personal loan product and will explain the full cost of the loan prior to issuing a successful applicant with a loan contract.

Same day funding

In a fast-paced world, we believe in fast-paced lending. If you’re approved for a loan with us, we’ll transfer the funds as soon as we receive your signed loan application. Should your bank have NPP-enabled payments, the fund could then be transferred into your account and ready within seconds. 

Application is 100% Online

EFT Capital has a simple online loan application process. An account will be created once you’ve entered your personal details. Benefit of that is you can save your application and upload all your supportive documents at your convenience. 

Flexible repayment terms

We can tailor a loan product that suits your needs and most importantly, budget. We offer flexible loan terms and can structure repayments weekly, fortnightly or monthly.

No Early Repayment Penalty

It’s really simple, the quicker you pay off your loan, the less interest you will be charged. Under no circumstances do we charge penalties for early completion of a loan contract. 

Friendly team to assist with questions

We are here to make your process easier. Please contact our team to answer any question you might have. (Provide link of online chat)

Application process is quick and convenient

Our application process is streamlined to ensure we can provide you with a fast outcome. Our experienced team will take action on your application as quickly as possible to ensure there is no delay. 

Quick Links


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.