Our Process

How do we work?

Are you on the lookout for an ethical financing solution? Working with EFCO is simple. We use a straightforward, four-step process designed to help get you the funds you need to start your course of study, buy a new car or grow your business. 

  • Apply Online
  • Fast Application Process
  • Possibility of Same-Day Payouts


To get started, all you have to do is fill out our online application and provide us with supporting documents here. If you require any assistance, our lending specialists are available to talk you through the best options for your needs.


We will get on to it straight away to provide you with an outcome within hours. Our expert team will assess it for a decision or get in touch if needed any additional information.


Get Approved

If your application is approved, we’ll send you an offer to review. Feel free to talk to our lending specialists if you have any questions regarding our offer. We pride ourselves on being open and transparent – that means no hidden costs or surprises.


Be Funded

Once your credit contract has been executed, we’ll disburse the money to you – as fast as the same day. That’s all there is to it. Now it’s time to make your dreams a reality and thrive.