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.

Personal Loan Instant Approval

Only at EFT Capital will you find an excellent business you can trust from starting to end in the process of calculating a loan, filling the forms to apply for it, and finally having it approved in the shortest possible time.

When looking for a business where you can get a personal loan with instant approval, EFT Capital always shows up as the best possible option for you if you want to fund your future plans with a fair-rate loan that offers flexible repayment and easy instalments. With an extremely simplified process that can be completed easily in a couple of minutes, applying for a loan is no longer a tedious and exhausting process with tons of paperwork and waiting in eternal queues; it’s a very straightforward, short process you can complete from the comfort of your house.

At EFT Capital, we’re here to help you get out of a stressful situation by applying for a personal loan with instant approval online. 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 with your application online on our website. As well as being fast, our personal loan process is also fair. We can offer you a personal loan with instant approval even if you have bad credit history, have been bankrupt in the past, or have previously defaulted on a loan. In general, applicants just need to be 18 years or older, Australian Residents, and currently employed.

Contact us today so we can give you the details about our products and why EFT Capital has become a mandatory mention amongst loan products providers. We’re EFT Capital, the real experts in this field.

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