Instant Loans Online

Fund your future plans with a fair-rate loan that offers flexible repayment and easy instalments.

We’ve simplified the process. Apply for your loan in minutes, without painful paperwork or waiting in queues.

Loans to Pay Off Debt with Bad Credit

It’s a common practise to apply for loans to pay off debts with bad credit and getting rejected. You can put an end to it with EFT Capital, the leading providers of loan products in Australia and the only place you need to visit online when you need loans to pay off debt with bad credit score. Debt consolidation is when you move some or all of your existing debt from multiple accounts such as. credit cards and loans) to just one account. To do this you’d pay off your old accounts with credit from the new loans to pay off debt with bad credit we offer here at EFT capital. Your debt won’t disappear, but it will all be in one place; with better repayment schedules!

We’re very proud of being the leading providers of loan products in Australia, we offer special services that adapt to every budget and need our clients can have. As a proudly Australian owned and operated business with over 20 years of experience helping clients find the best loans that aren’t only flexible and affordable but also an easy way to satisfy their needs when they require loans to pay off debt with bad credit in easy instalments. If you have a low credit score, with other solutions providers you may struggle to get a good rate or even to get approved at all but here at EFT Capital, we’re always ready to assist you and make sure you can get out of that difficult financial situation.

Select EFT Capital today and leave it on the hands of truly specialised experts that know what they’re doing and make sure they offer the best possible customer experience available online.

Our Services


Personal Loans

Know you’ve chosen the best deal for your personal loan when you use EFT Capital.


Vehicle / Car Loans

Own your dream vehicle with our easy apply online vehicle loans.


Debt Consolidation

Consolidate all your existing loans into one making it more manageable.


Business Loans

Bank upon EFT capital for all types of business fund requirements.

Online Loan Application

    Check your eligibility

    • Step

      Submit an application online.Apply Online

    • Step

      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

    • Step

      Our loan specialist will review your application and contact you to discuss

    • Step

      If approved, loans terms will be provided and contract issued

    • Step

      Client to sign contract electronically or manually

    • Step

      Funds transfers to your bank account

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