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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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  • Five financial tips to make you richer

    If you have ever dreamed of winning the lotto then you know exactly what you would do if you found instant cash. For most of us getting rich quick will always be just a dream. There are however ways …

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  • Seven low cost school holiday activities

    In need of some fun affordable activities to keep the kids entertained? We’ve done the hard work for you to find the best budget friendly school holiday activities.

    Camping…in the …

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  • Struggling with your financial situation? Get your life back on track...

    Safe Debt Management offers debt assistance for people with unsecured personal debts of more than $8,000. These debts may include old utility or telco bills, personal loans, credit card debts, …

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  • Three ways to stop debt before it happens

    Most of the time, no one plans on being in debt. Accumulating too much debt is something that happens over time. A few years ago you got a loan to buy a car; a few months later you purchased new …

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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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