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  • Plan the ultimate staycation - how to turn your home into a retreat

    When you think of a holiday, it's easy to picture sandy beaches, long flights, and hefty accommodation bills. But what if you could enjoy all the relaxation and indulgence of a getaway without …

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  • The hidden costs of delaying financial assistance

    When money gets tight, many of us find ourselves weighing up whether to apply for financial assistance now or try to tough it out a little longer. It's natural to want to avoid debt or extra …

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  • Stress decoded: signs, causes and smart strategies to manage it

    Stress is something we all encounter from time to time. Whether it's pressure at work, family duties, financial concerns, or even everyday annoyances like traffic jams, stress is a natural response …

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  • Boost your family’s health with active play and outdoor fun

    In today's fast-paced world, where screens often take centre stage, encouraging active play and exercise for the whole family has never been more important. Physical activity isn't just about fitness …

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  • Spotting financial scams – how to safeguard your hard-earned money

    Scammers are growing more clever. Every day in Australia, thousands of people receive fraudulent texts, emails, or calls designed to deceive them out of their hard-earned money. In fact, according to …

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  • Eco-friendly living made simple: Easy tips for a greener home

    Eco-friendly living doesn't have to involve huge sacrifices or expensive renovations. In fact, some of the most effective ways to reduce your environmental impact start with small, everyday choices. …

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  • Spring cleaning your finances – organise and optimise

    Across the globe, spring is a season of renewal. We clean our homes, declutter our wardrobes, and tend to our gardens. But what about our finances? Just as a fresh coat of paint or a good declutter …

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  • Celebrate big life moments without breaking the bank

    Life's big moments - weddings, new babies, milestone birthdays, home renovations, or dream holidays - are often worth celebrating. But they can also come with a hefty price tag if you don't plan …

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  • Top tips for creating a calm and organised family routine that works

    Between school runs, sports training, work demands, housework, and mealtimes, it can sometimes feel like family life is a never-ending whirlwind. Add in unexpected expenses or a tight budget, and it' …

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  • How to balance your work-from-home life with family time

    In the constantly changing world of modern work, working from home has become increasingly common. While it provides flexibility, no travelling to work, and the comfort of your own space, working …

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Warning - Do you really need a loan today?

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94
    http://www.humanservices.gov.au

The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you. https://www.moneysmart.gov.au/

This statement is an Australian Government requirement under the
National Consumer Credit Protection Act 2009.

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