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.

Used Car Finance Melbourne

If you’re in the market for your first new or used car. Congratulations! The open road awaits you! And here at EFT Capital we provide you with used car finance in Melbourne. If you’re having questions about the process: how to find the right first car, how to go about buying it, and how to secure financing for your purchase. We’re a proudly Australian owned and operated business with more than 20 years of experience in the field, and we have learned what’s required to offer excellent used car finance in Melbourne. When you finance a car purchase, you’re borrowing money and entering a contract to repay it over time, usually in monthly payments. This is a standard practice, and lots of people use financing to purchase larger items like vehicles and big appliances.

At EFT Capital, financing is different from the haggling you might face at traditional new- and used-car dealerships, where you negotiate financing terms and may experience a lack of transparency. At an EFT Capital you can complete the entire process online, without much paperwork required and not having to wait in line for a long time either.

If you want to get used car finance in Melbourne here at EFT Capital, we recommend you these steps to make an excellent purchase!

• Do your research and establish a budget. Take a good look at your needs for your first car, including your driving requirements, to make sure you get behind the wheel of a vehicle that suits you for as long as you plan to keep it.

• Complete the online process to get assess by our professionals within one business day!

• Get your used car finance in Melbourne at EFT Capital.

Contact us now for more information about our loan products.

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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