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.

No Credit Check Debt Consolidation Loans

A debt consolidation loan is a personal loan you use to combine and pay off multiple debts at once like credit card balances, medical bills or other unsecured personal loans, so you’re left with one weekly, monthly, or fortnightly payment. With EFT Capital on your side offering the best no credit check debt consolidation loans you can apply for very easily on our online platform. Ideally, this payment comes with a lower interest rate than your current debts, which can save money and help you get out of debt faster.

With more than 2 decades of experience in this field, we have made our way to become the first class suppliers of no credit check debt consolidation loans for those Australians going through a tough time and having low credit score. If you’re struggling to pay off debt and can qualify for a low enough interest rate on a loan, debt consolidation is generally a good idea specially here at EFT Capital, a proudly Australian owned and operated business that understands the best practices to keep all clients happy. At EFT Capital, we make sure we can consolidate at a lower interest rate, you can get out of debt faster by applying the savings to your remaining balance. You can also choose a short repayment term on a debt consolidation loan, as long as you can afford the monthly payments.

We simplify the application process so you can complete it online and get your no credit check debt consolidation loans approved in the shortest possible time and this way we remove all unrequired paperwork that people usually have to fill at storefront places. Our no credit check debt consolidation loans can help you improve your bad credit score, as even a small bump in your credit score may increase your odds of qualifying for a debt consolidation loan.

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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