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.

Online Personal Loans for Bad Credit

Welcome to EFT Capital, the industry leading business where you can get a loan approved in less than 24 hours and start working on your new project, looking for a new vehicle, or getting rid of an old debt. We help you get out of that difficult financial situation you’re going through by approving online personal loans for bad credit with flexible repayment schedules so we can give you some room to breathe and rethink which way you want to go when embarking on new financial endeavours. We’re not new to this industry, we have over 20 years of experience in the field and we’re constantly improving our products and application process to make it simpler.

We’re a world class supplier of loan products, and we’ve earned our position as the main providers of business loans, debt consolidation loans, vehicle loans, and personal loans. We make sure all our clients’ needs are covered and continually improve satisfaction among people who want to apply to get a loan without much hassle and not taking too long to complete the process. Only here At EFT Capital, will you find a team of professionals to help you get out of a stressful situation by applying for online personal loans for bad credit score people.

We’re the only business offering cash loans, debt consolidation loans, secured loans, and a complete array of loan products you can check on our website, while also making sure the entire process is smooth and completed in record time. We’re experts at lending money and we have all the tools you need to start your process, and our online personal loans for bad credit are an excellent option for you.

Contact us today if you want to know the details about our loan products; we’ll be happy to assist you.

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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