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.

Small Debt Consolidation Loans Bad Credit

Are you looking for a professional business where you can get small debt consolidation loans with bad credit score that help you solve your difficult financial situation?

Only here at EFT Capital, you’ll find exactly what you need, through an accessible application process you can complete online. We’re a proudly Australian owned and operated business that takes time to put on the shoes of our clients and offer them a superior product range when it comes to the field of loans. Only at EFT Capital we make the whole application process as easy as possible, so you can complete your process, have an expert staff member from EFT to assess it, and get it funded within one business day!

Since we started our operations back in 2002, we’ve always strived for greatness, and continually pushed our limits to offer our clients the best services they can find. Trusting EFT Capital when you need small debt consolidation loans with bad credit means putting your financial success in the hands of top notch skill professionals who understand how valuable your time is. As the first name coming to the mind of anyone who needs small debt consolidation loans with bad credit score; here at EFT Capital, we make sure we can adapt to our clients’ needs, and that means offering a wide array of produces you can choose from depending on your needs. We don’t limit our loans to small debt consolidation loans for bad credit scores, we also offer personal loans, unsecured personal loans, vehicle loans, and more.

We’ve been helping people get out of debt for over two decades! We have helped thousands of Aussies and we’re always receiving great feedback for our customer service. Having a bad score does not keep you from having a new loan to help you get out of financial trouble; the answer are our small debt consolidation loans for bad credit scores.

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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