About Personal Loan

These loans are available to meet individual financial needs for the acquisition of fixed assets such as purchase a plot of land, furniture, refrigerator, television sets, school fees of defendants, medical bills, funeral expenses etc.

This is a general purpose loan intended to meet the specific needs of clients, such as payment of school fees, rent, etc. This facility is targeted at salaried workers who earn not less than €2000.00 monthly. Maximum Tenor is 48 months Maximum amount is dependent on customer’s Debt Service Ratio (DSR)

EFBANK Online ’s “We Pay For Your Dreams” is a customer friendly package which offers an opportunity to salaried workers with recognized institutions, as well as EFBANK Online account holders to purchase any desired electronic gadget such as refrigerators, blenders, mobile phones and generator sets from EFBANK Online Accredited distributors

This credit product is limited to customers who maintain a salary account with EFBANK Online . Customers can access up to 80% of their salary in advance.

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Personal Loan Products

Achieve all your goals and aspirations; with the right kind of help, exactly when you need it.

Medical Emergency

EFBANK Online offers you personal loan for your unexpected medical emergency.Get instant personal loan for your all kind of medical emergency expenses.

Wedding Purpose

You can manage your dream marriage day with our personal loan option. Have the wedding celebration of your dreams. Apply now personal loan for wedding purpose.

Abroad Travel

Get the funds for the expenditure involved in going abroad for taking up employment. Manage your personal with EFBANK Online for fulfill your travelling to abroad.

Child Educations

We provides child loan for pursuing higher, We given the right tools to every potential child. Also, grant personal loan for your child higher education.

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Features of Personal Loan

All loans are not created equal, personal loan has become a great option for people to use.

Faster Loan

For funding medical expenses, hospitalization, surgery, No collateral required.Just a little processing charges upfront

Choose your amount

All charges are communicated up front in writing along with the loan quotation for fast compliance.

Enjoy the best rates

Our loan rates and charges are very attractive, we do it to help your immidiate needs


Overdraft facilities are provided to businesses to meet their working capital needs. The facility enables businesses replenish stock, pay bills etc.

Personal Loan - Eligibility

Any salaried, self-employed or professional Public and Privat companies, Government sector employees including Public Sector is eligible for a personal loan.


Maximum age of applicant at loan maturity: 60 years


Minimum Net Monthly Income: € 2,000

Credit Rating

Applicant should have the bank specified credit score.

Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

Paying off your personal loan early. Before you start making the extra payments, go over your loan agreement and look for a prepayment penalty. This is a fee that lenders can enforce if you pay off your loan before the end of the term.Not all loans allow prepayment penalties

you can use a home equity loan to refinance your first mortgage, a current home equity loan, or a home equity line of credit. For the group of homeowners who have built up equity, refinancing with a home equity loan could make sense in higher rate environments.

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We are located in the United Kingdom with corresponding bank all over the world.

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Now apply for a Car Loan online, All you need to do is provide your details below application form.