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.

Payday Loans Sydney

Apply for one of our payday loans in Sydney online and get it approved within 24 hours. Get a loan for any emergency expense, refinance your credit cards, start a business, or buy a vehicle. We’re EFT Capital, the first business to trust when you need instant cash and we provide instant loans for every budget and need. EFT Capital is an Australian owned and operated company providing loan services Australia wide. Our core loan products are:

• Personal loans (secured and unsecured)

• Debt consolidation loans

• Vehicle loans

• Business loans

We are a small team of specialised staff that strive to assist clients with any finance requirements. We have been helping clients since 2002, executing loans that are flexible, affordable, but most importantly, trying to ensure we satisfy our client’s needs. With our payday loans in Sydney, you can successfully handle any financial situation that comes up and catches you without enough cash at hand to solve it. We set the difference from other businesses offering payday loans in Sydney because we have a fast and easy process. In most cases, applications are completed, assessed, and funded within one business day.

Our friendly staff is always available to answer any questions and assist you along the way. Everything from applying, uploading documents to transfer funds can be done online. Contracts are signed electronically, and funds are transferred immediately once signatures are verified. With our payday loans in Sydney, we’ve been able to assist a big number of Australians and we’re constantly looking for ways to improve our services according to our clients’ feedback. Trust EFT Capital, trust the real specialists in this industry.

Our dedicated team will always be with you to ensure a speedy approval process and help you with any further requirements.

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

    What Our Clients Say About Us

    google review sign4.9

    star rating

    500 Reviews

    Brands we work with