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.

Unsecured Loans Australia

We welcome you to EFT Capital, the superior providers of unsecured loans in Australia along with a complete array of loan products that can be accessed easily through a fast and simple application process.

Trusting EFT Capital, you’re getting loans that aren’t backed by an asset such as a car or home. They include student loans, personal loans and revolving credit such as credit cards. And here at EFT Capital we have 20 years of experience in the industry and we have a lot of accumulated knowledge regarding the best loans you can find among our loan products. Unsecured loans are loans that don’t require collateral. They’re also referred to as signature loans because a signature is all that’s needed if you meet the lender’s borrowing requirements. Because lenders take on more risk when loans aren’t backed by collateral, they might charge higher interest rates and require good or excellent credit.

With EFT Capital on your side, you’ll have an ally with flexible payment schedule and low interest fees as well as an easy online application process you can complete from the comfort of your house. Answer a few questions to see which personal loans you pre-qualify for. The process is quick and easy, and it will not impact your credit score.

Unsecured loans in Australia can be either for no-collateral instalment loans, such as unsecured personal loans, or unsecured revolving lines of credit, such as unsecured credit cards. When you submit an application, we will check your creditworthiness and consider factors such as your income, savings and debt to see if you qualify. We have a team of professionals who will be ready to assist you and tell you all the details about our products. Contact us now if you want to know all about our work as the leading loan providers.

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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