Car & Vehicle Loans

Own your dream vehicle with our easy vehicle loans for new, pr-eowned or leased vehicles. EFT provides vehicle loans for a period of 6months to 3 years. Loans are available for Cars, two- wheelers and commercial vehicles.

Vehicle Loan

Buying your dream vehicle has never been so easy . Drive your dream vehicle with our easy vehicle loans

Apply For Car Loans Online

At EFT Capital, we understand buying a car is one of the biggest financial decisions many of us will ever make, besides buying a home.

There are a bunch of things that you will need to think about and remember before you can commit and put your car loan to good use, but don’t worry we’re here to help.

There are plenty of things to consider when choosing the right lender-that’s why we’re here to help! We make looking for car finance a bit easier by offering car loans 100% online.

Our vehicle loans offer you the option to purchase privately or through a registered car dealer. It might be time to upgrade your existing vehicle or purchase your first one, either way we assist and make it an easy process. Apply online or give us a call on 1300 722 744

Types Of Vehicle Loans

New Vehicle Loan

As the name suggests, a new vehicle loan can be used to purchase a brand new vehicle straight out of the showroom.

We offer new vehicle loans that can be tailored to suit your budget, offering loan terms of 1 year to 3 years.

New loans are available for most makes and models of vehicles in the market up to the value of $20 000.

Apply Online Now

Second Hand Vehicle Loan

Whether you are browsing websites such as CarSales or Gumtree, Facebook marketplace, a private seller or a dealership to find your used car, EFT Capital can assist in all these situations.

Once you have your loan pre-approval, you can find your vehicle with confidence, agree on a sale price and then let us know the details of the vehicle you’d like to purchase.

Call 1300 722 744 Today!

How To Apply For A Car Loan


$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:

Check your eligibility

Apply For A Vehicle/Car Loan Online

Submit an application online. Apply Now

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

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

Frequently Asked Questions

Faq-vehicle loan

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)
Our loans range from $2000 - $20 000
EFT Capital’s vehicles loans are fixed rate loans.
Yes, all our vehicle loans are secured. In most cases we can secured the loan with the vehicle you wish to purchase. Get a personal loan for a car or motorcycle.
Our vehicle repayments terms vary from 6 months to 3 years. We structure we loan term best suited to your needs and loan amount.
Yes, We can offer loans to individuals with low credit scores. We can’t guarantee your application will be successful, but can overlook certain things we assessing your request. We will take your whole application into account and try our best to provide you with a positive result.
The short answer is yes. Individuals have the option to purchase a vehicle through private sale or from a registered car dealer. Loans for used car, new car or a personal loan for car are all available.
Yes you can. Car loan finance approval can be secured for you to go out shopping for a vehicle. Once you have made your decision, we can pay for the vehicle directly. The vehicle you choose will be subject to assessment.
We strive to offer same day approvals and settle the contract within 24 hours.
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. There are many other options before applying for a loan:
Yes, we don’t charge any penalties for early payouts. We encourage any-one to make additional repayments to save yourself interest charges.
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.