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  • Applying for a home loan? Use this checklist to make sure you’re prepared

    If you’re applying for a home loan, you may be wondering how long the process is going to take from start to finish. But as anticipation builds, it’s important to know that the length of …

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  • Offset accounts explained

    One frequently asked question in the Australian mortgage broking industry is, "What is a mortgage offset account, and how can it help me?" With numerous options available and the mortgage offset …

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  • Five ways to cut entertaining expenses

    Entertainment expenses are often one of the cutbacks that people make when they’re trying to save money or reduce debt. While this is a good plan that can help you reach your financial goals, …

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  • 4 ways to avoid financial difficulties

    Nobody is perfect and we all experience financial difficulties from time to time. If you’ve ever found yourself short of cash or you’re tired of living from one payday to the next, here …

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  • 10 tips to beat credit card debt

    If you own a credit card and you use it - you're in debt. According to finder.com.au 70% of Australian adults own a credit card with an average card balance of $3,231.[1] While credit cards are …

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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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