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  • Three ways you can break the payday to payday cycle

    Is your money gone already even though you just got paid? If so, you’re not alone. According to ABC, one out of every two people who work in Australia are living from payday to payday. While …

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  • Planning for the future? How to save for your child's higher education costs

    If your child is thinking about attending TAFE or university in the future, you may be concerned regarding the costs. According to Business Insider, the cost of attending university continues to rise, …

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  • Three ways to save on school expenses for your kids

    Now that the school holidays are coming to an end, parents across Australia feel a pinch in their wallets due to back-to-school shopping. To further add to this stress, kids are constantly growing, …

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  • Four questions to ask before applying for a home loan

    Is home ownership at the top of your wish list? If so, here are four questions to ask before applying for a home loan:

    How much can you afford? Before you start home shopping, it’s important …

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  • Create a quick savings plan in three easy steps

    Are you trying to save more money but you’re not sure where to start? Trying to figure out a way to save can seem like a time consuming process that takes a lot of work, but with the right plan …

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  • How to pay off unexpected bills

    Some surprises might be welcomed, but when it comes to bills an unexpected expense can be financially stressful. Having a budget in place will help you plan for financial emergencies but if you need …

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  • Top five ways to get your home winter ready

    As the temperatures start to drop and many of us look to turn the heaters on, our finances can take a big hit. But it doesn’t have to be that way. To avoid getting a rude shock on your next gas …

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  • Determining if a small loan is for you

    If you are looking for a little bit of extra cash for your dream holiday, some home renovations or just have an unexpected expense, then our small loan may be right for you. With our simple online …

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  • Tips for preparing your taxes

    Tax time for many of us means waiting for a nice tax return but in order for that to happen, we first have to lodge our return. Here are some of our top tax tips to get you the biggest return you can. …

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  • Five smart ways to handle your tax refund

    If you know you are due a tax refund at the end of the financial year, you might have already decided on what you will splurge your extra cash on. Here are our 5 smart ways to use your tax rebate: …

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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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