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  • Entertaining on a budget: Seven fun, affordable activities for all ages

    Finding fun, engaging, and affordable activities for all ages can be challenging, especially when catering to a wide range of interests and ages. From beachside adventures to cultural experiences and …

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  • Our selection of the top mobile apps to download in 2024

    In today's fast-paced digital world, mobile apps are the go-to solution for many tasks, including managing finances, getting fit, and staying connected. Like the rest of the world, we Australians …

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  • Creating a home gym on a budget: Tips for staying fit at home

    Staying fit and healthy doesn't have to mean splurging on a pricey gym membership or fancy equipment. With creativity and smart investments, you can set up an effective home gym that fits your needs …

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  • How to turn the humble potato into a star on the plate

    The humble potato is not just a basic side dish; it is one of the most versatile ingredients in the kitchen. From the classic roast to more innovative creations, the potato is a true chameleon when …

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  • Finding affordable housing: Tips to secure a home within your budget

    Due to skyrocketing prices and limited availability in key areas, Australia’s housing market has become increasingly challenging for mid-to-low-income earners. However, with careful planning …

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  • Nine practical steps to improve your credit score

    Improving your credit score is one of the most impactful financial moves you can make. A higher credit score may open doors to better interest rates and more favourable loan terms and even improve …

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  • Nine creative ideas for celebrating a special occasion with your partner

    When it comes to celebrating a special occasion with your significant other, the possibilities are endless. Whether it’s an anniversary, a birthday, or simply a day you’ve both marked as …

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  • Ten tips to successfully negotiate a wage increase

    Negotiating a wage increase can be intimidating, but it's important to improving your financial situation and ensuring you are fairly compensated. Whether preparing for your annual review or a …

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  • The benefits of community – how to get involved and give back

    In an increasingly digital age, it is easy to become detached from a sense of community. However, the benefits of community involvement are significant as they provide a sense of belonging, support, …

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  • Smart ways to maintain your vehicle and save on car expenses

    We all love our wheels, but owning a car can be expensive. Even if you budget for registration, insurance, fuel costs, and maintenance, unexpected breakdowns can be costly. However, with some smart …

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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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