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 Lenders Australia

Welcome to EFT Capital the leading personal loans lenders in Australia and the right place to apply for a loan that will represent the easiest way to get back to controlling your finances.

With the loans we offer as the leading personal loan lenders in Australia you can get to handle your debts with more space to breathe. When you have fewer debts to manage, this can lower your stress and make your life easier. If you have multiple debts paying high interest, a single loan which combines debts under the one umbrella could be a great option, as long as the monthly payments are less. We’re a proudly Australian owned and operated business constantly working to offer the best product scope.

By selecting EFT Capital to approve you the best personal loans for debt consolidation, you’re not trusting amateurs on this industry, we’re a proudly Australian owned and operated business with more than 20 years of experience in this field, always helping our clients achieve their goals in record time. With EFT Capital as your personal loan lenders in Australia you can always have money when you need it the most by completing the application process in only a few minutes.

We’re world class personal loan lenders in Australia, and we’ve earned our position as the main providers of all kinds of loans, including the best personal loans for debt consolidation, and many more. We make sure all our clients’ needs are covered and continually improve the experience for our clients who want to acquire a loan without much hassle and not taking too long to complete the process. Contact our friendly team to see how they can help today as your personal loan lenders in Australia, we’ll be happy to assist you.

We aim to help you change your situation and be empowered to take control of your finances.

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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