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People who are looking for bad credit loans in Melbourne should start right here! This is the quickest and easiest way to get a personal loan in just 24 hours. As long as you have all of the information needed, it only takes one business day to complete the application, have an expert staff member from EFT review it, and get it funded! With EFT Capital it does not matter if you have good or bad credit; we’re here to make sure you find a loan product that truly adapts to your requirements.