We Could Provide Australian Loan Approval Within 24 Hours

We specialise in Personal Loans, Debt Consolidation & Bad Credit Loans. Applying has no impact on your credit score.​

Australian Personal Loan & Debt Consolidation

The Australian Lending Centre is a one-stop shop for a wide range of financial solutions.

All of our Australian loan solutions require no credit check so you can feel safe and confident when applying with us.

Unlike banks and many other lenders, we also have the ability to say yes even if you’ve been rejected elsewhere.

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Trusted Australian loan specialist for over 25 years

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Flexible alternative to Bank Lending

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Wide range of Australian loan products available

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Financial solutions individually tailored to each customer

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Loans with no credit check to help protect your credit rating

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Debt Consolidation Loans put you in control of your debts

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Personal Loans tailored to you, even if you have bad credit

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Online loan application to make the process fast & easy

Apply within minutes. We’ll go the extra mile to find a solution.

As seen in…

Personal Loans Australia - Your second chance at finance.


Get Help From Australian Loan Experts

Australian Lending Centre offers trusted non-bank financial solutions. If you have been declined because of bad credit, our expert team of lending consultants is ready to help.

Unlike other lenders, our application process is fast and easy, with no judgement and no obligation.

Best of all, there’s no need to worry about your credit file being affected because we do not perform credit checks, ever.

June 4, 2024
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Keanue was very helpful and informative!
May 24, 2024
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Great customer service, super informative and every helpful.

May 16, 2024
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Grady was amazing! So thoughtful and understanding with not a single hint of judgement in his voice. I felt safe to express my emotions and like I was finally going to receive the assistance I need to get back on track. THANK YOU!

April 29, 2024
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Chloe was so helpful, patient and knowledgeable. She was so good in explaining everything in a clear manner, and was friendly and provided me the information needed.

April 17, 2024
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Keanu was friendly, patient and explained everything perfectly and gave me the assurance and guidance that I needed. He was a delight to speak to and he helped make a awkward, embarrassing conversation..easy and pleasant
Thank you Keaunu

March 25, 2024
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Keanue was an absolute delight to deal with! I got everything laid out in simple terms and was able to understand a very typical hard finance conversation so easily. He was incredible empathetic and fantastic to talk about my financial situation with. Would highly recommend!

March 24, 2024
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Fantastic very good lovely person to talk to Chloe..
March 22, 2024
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I was able to get the support and help i needed with Pats Guidance. He didn’t judge me and gave me assurance that everything will be okay. Thankyou Pat for your exceptional service.

March 14, 2024
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Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.

February 29, 2024
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Keanue was so great to talk to and nothing but helpful. I’ve struggled trying to get financial help because I was nervous and didn’t want to be judged. Keanue was so understanding, judgement free and wanted nothing more than to help me however he could.

February 22, 2024
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Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
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Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
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Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
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Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
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Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

November 29, 2023
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Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
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Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
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It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
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It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
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Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
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Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

August 17, 2023
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Easy doing application online Verification and approval of application for quite turn around.

August 3, 2023
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I recommended this to anyone because it was so easy going and very easy to use

March 22, 2022
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I found Kayla to be very professional and non judgement to the advise l was asking, she had a lovely approach and manor on the phone. Would highly recommend this company

December 10, 2021
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Kayla has been lovely to deal with. She’s been responsive and helpful, suggesting multiple solutions to help me meet my needs. She has shown empathy and warmth, genuinely caring for her customers and their situation. Thank you Kayla 🙏

June 30, 2021
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I am so happy with the service that was provided to me, me and the customer service officer had a laugh, figured out my finances and I am able to get a new car thanks to her.. I have never ever been so happy in my life

June 29, 2021
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Brilliant.. one of easiest interviews I have done. 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Kristina was funny, engaging but more than anything calm. When dealing with peoples finances which is such a stressful subject she was calm.

June 28, 2021
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Chloe was great. Very helpful and genuine

June 28, 2021
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Professional and very clear

June 23, 2021
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Kathleen was very friendly and easy to talk to. She confirmed everything to ensure she had our details correct. She explained our options and answered all the questions we may have.
Very happy overall with our time spent on the phone with Kathleen.

June 22, 2021
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Chloe’s honesty and active listening skills were outstanding. She broke down the options for me and helped me feel at ease throughout this process. Thank you an asset to your team.
Rachel Rogers

June 21, 2021
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Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.

June 21, 2021
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Kathleen was polite and compassionate looking forward to getting back into a better position

June 18, 2021
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Chloe was very understanding and polite with regard to my situation and offered effective strategies to suit my needs moving forward. Excellent customer service and support.

June 17, 2021
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Kathleen was absolutely amazing! Professional, easy, friendly & quick to get results.
Before I made the phone call I was depressed & embarrassed and didn’t know what to do about my stressful financial debt.
I’d spoken to around 4 other loan consolidation companies and they were no help.
I was loosing motivation & very confused but decided to make one last phone call to try and get help to fix my current financial mess.
Thank goodness I called & spoke to Kathleen!
By the end of the call a weight has been lifted off my shoulders and I no longer felt stressed.
I couldn’t believe that I actually felt excited and in control of my finances for the first time in a longtime.
Thank you so much Kathleen & team for helping me.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.
Thank you Kathleen!

Apply within minutes, receive same-day support

Click the “Start Your Application” button below.


Select the type of loan that you want from our wide range of options.


Continue through the form, it takes less than 5 minutes with minimal documentation required.


Our team will assess your application. If approved, you could receive same-day support. 


Explore Our Wide Range of Australian Loan Options

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Debt Consolidation Loans

Struggling to manage multiple debts? Debt consolidation combines credit cards, buy-now-pay-later, payday loans and more, to achieve a single easy-to-manage loan with lower fees and interest rates.

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Bad Credit Loans

Australian Lending Centre offers bad credit loans even when the banks have said “no”. If you suffer from a low credit score, we could still help. We offer low doc loans and no credit check loans so your report is not affected.

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Personal Loans

Our online personal loans are designed to suit a range of circumstances, including buying a car, boat or caravan, or funding a holiday. You can even use a personal loan to cover dental costs and other medical expenses.

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Debt Management

If you have multiple debts and find it challenging to consistently keep on top of repayments then debt management could be your saviour. We have helped thousands of Australians to reduce and take control of their debts.

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Low-Doc Loans

Low-doc loans require minimal paperwork to get approved making them ideal for the self-employed. Our application process requires minimal paperwork and is really fast.

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No credit check loans

We never run a credit check on you which means applying with Australian Lending Centre will not damage your credit score. No credit check loans help you to obtain finance when others have said no.

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Small Business Loans

Being in business is challenging, which is why we offer loans for startups, investment capital, expansion finance, equipment loans and much more.

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Online Home Loans

Our broad range of home loans primarily includes mortgage refinancing, but in some cases we can also provide investment property loans, finance for home renovation and even bad credit home loans.

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Online Car Loans

If you've got your eyes set on a flashy new whip but don't have the disposable income to cover the purchase then a car loan is a great way to achieve your goal. We provide car finance with low fees and interest rates.

Trusted non-bank loan providers

Get approved for personal loans in Australia

When your financial needs and circumstances are unusual or unique, you need to choose someone who can get your finance application across the line responsibly.

Australian Lending Centre has helped solve a broad range of customers’ financial requirements for over 25 years. We hold a credit license in Australia: 389119 and operate within the strict standards set by ASIC.

More flexible than the banks

We are structured differently than traditional lenders, making us a great non-bank alternative. Providing private loans, our financial products often have lower fees and greater leniency compared to traditional institutions.

Our lending criteria is less strict compared to banks, therefore our solutions have a greater chance of approval for people with complicated finances, such as self-employed or bad credit.

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Brilliant brands we work with…

The Australian lending Centre has strong relationships with many lenders and financial institutions. With these partnerships, we are able to offer a full range of products for all Australians wanting to be in a better financial situation.

Got burning questions? We’ve got answers.

Australian Lending Centre (ALC) offers reputable non-bank, alternative finance and, importantly, understanding. Being rejected for finance because of bad credit can make you feel like there are no other options. Our goal is to give struggling Aussies a ‘fair go’ with finance, whether it is for personal or business purposes, regardless of financial history. Our online application is fast, simple and can be done online.

If you’d prefer to talk to a real person, our fully trained, caring loan professionals can talk you through the process and explain your loan and debt management options.

When your finances are unique, it’s important to choose a finance company with experience in alternative finance to get your loan application across the line, without fuss or stress. ALC has helped find solutions for customers for over 25 years. We hold a credit license in Australia (389119) and operate within the strict standards set by ASIC.

ALC operates differently from the big banks. Every customer matters and we don’t take our customers for granted. Providing private loans, our financial products often have lower fees and greater leniency compared to traditional financial institutions.

Our lenders have a range of lending criteria that the banks just can’t achieve. This means a greater chance of approval for people with complicated finances, such as self-employed or those with low credit scores.


Australian Lending Centre has been a trusted bank alternative for over 25 years, helping thousands of Australians nationwide.

We cover: Adelaide, South Australia (SA); Brisbane, Queensland (QLD); Canberra, Australian Capital Territory (ACT); Darwin, Northern Territory (NT); Hobart, Tasmania (TAS); Melbourne, Victoria (VIC); Perth, Western Australia (WA); Sydney, New South Wales (NSW) and regional areas.


Do you have debt collectors calling all the time?

Our goal is to assist with managing out of personal debts. High-interest rates can make it hard to pay off your debt in the longer term. Combining these into a loan with lower interest, one set of fees and one monthly repayment is an option that can help you pay off debts more easily.

What is credit card debt consolidation?

You might want to consider applying for one of ALC’s available credit card debt consolidation options. We can take all of your current card obligations and combine them into one easy-to-manage repayment with a lower interest rate and payments tailored to your income and financial obligations.

Australian Lending Centre goes above and beyond to find the right solution to match your needs and payment capacity.


Bad credit loans are an opportunity for you to receive loan approval even with a bad credit score. They generally come with higher rates than a typical loan, but are also usually more flexible. 

Tough times can lead to bad credit, but we don’t judge

Our varied range of finance options are designed to suit a diverse range of borrowers. If your credit score is low, chances are you’ve has abit of bad luck, such as illness/injury, losing your job or going through an expensive divorce. When you’ve been through these tough times, the last thing you need to hear is ‘no’. At ALC we offer a type of finance for people with poor credit. We call these bad credit loans. They have more flexible loan criteria.

There are pros and cons with bad credit loans. Because lenders see borrowers with a low credit score as a bigger risk, the interest rate is sometimes a little higher. To find out more about bad credit loans, visit our bad credit loans page.

Refinancing your mortgage comes with many benefits. These include:

1. Lower monthly repayments

You will most likely get a new interest rate when you refinance. This is often lower depending upon how much the new debt amounts to, who the new lender is and the repayment terms for which you choose.

2. Change repayment lengths

Mortgage refinance is all about finding new terms to suit you. Therefore, you can move forwards with shorter terms or instead, you could choose to pay off the new loan over a longer period of time. It’s important to remember that the shorter your repayment length, the more your repayment amounts will be each repayment period.

3. Consolidate debts

Refinancing provides you with the opportunity to combine multiple current debts into one new one better suited to you. You can find out more about debt consolidation here.

4. Better repayment structure

With mortgage refinance comes greater flexibility. So, whether you would like to make weekly repayments or monthly, the control is in your hands when structuring your new loan.

5. Remove a person from the mortgage

If you have recently gone through a divorce and would like to remove the name of a co-signer then refinancing is a great solution.


No, we don’t do pay day loans. Australian Lending Centre have a range of Australian loan and financial products that can be catered to the financial needs for short term finance.

We understand that everybody is different and have different situations so we can help you find out the right type of loan for your particular situation. Just give us a call and we can give you a complimentary consultation or a suitable quote with the best loan options for your needs.

To find out more about the full impact of fast cash payday loans, visit MoneySmart.

Warning about Pay Day Loan borrowing…


For those who have bad credit, no credit check loans provide an opportunity to gain finance even if other lenders have said no. They also protect the credit that you do have from declining due to excessive enquiries.

Since your credit score is not checked with this form of Australian loan, no credit check loans do come with their drawbacks. Interest rates are generally higher and you will only be able to borrow smaller amounts of money compared to other types of loans. This is due to the greater level of risk that this form of loan poses since there is no proof that you are a reliable borrower.

No credit check loans do, on the other hand, come with benefits, including:

1. No Additional Credit Enquiry On Your File

You will not receive a credit enquiry on your file, meaning that you can receive financial support without denting your credit score with a credit enquiry.

2. Get a Loan, Regardless of Your Credit Score

They enable you to receive a cash injection, no matter how bad your credit score is, or how many other lenders have turned you down.

3. Gain Approval And Get Fast Cash

You can gain approval and receive the cash fast. In some cases, the process of applying to receiving the money in your bank can take as little as 48 hours.

4. Minimal documentation required

There is minimal documentation required. You must be able to prove you are over 18 years of age, that you have a steady income and provide bank statements.


Big banks are weighed down by the cost of having a massive corporate infrastructure and multiple national branches. Non-bank lenders are more agile and we can pass on savings to borrowers with lower interest rates. Some of the most competitive interest rates on the market are offered by non-banks.

Choose ALC as your finance specialist

Because we aren’t a big bank with multiple departments, we ensure that you get your own specialised consultant to help you through the process from start to finish. We look for the best bad credit (or sub-prime) loans, with the best rates, to help you get the finance you need.

Australian Lending Centre offers personal, business and commercial finance that includes:

Personal Loans

Business Loans

  • Low interest business loans 
  • Expansion finance
  • Low doc business loans
  • Debtor financing
  • Working capital loans
  • Tax debt loans
  • Short term business loans
  • Lease finance
  • Self-employed loans
  • Bad credit business loans
  • Caveat loans.

The Australian Lending Centre is a one-stop shop for all financial solutions, from debt consolidation to bad credit loans. Regardless of your current circumstances, we are here to help.​

  • wide range of financial services to suit a diverse range of customers
  • we offer personal, business and home loans
  • bad credit finance is available
  • ALC offers fast and easy debt relief services
  • we have competitive interest rates
  • flexible loan terms

The Australian Lending Centre has strong relationships with many lenders and financial institutions. With these partnerships, ALC is able to offer a full range of products for all Australians wanting to improve their financial situation.


Our blog is written by experts in their field, on relevant topics that matter to everyday Australians.

Times are really tumultuous at the moment and many people are confused about the impact of the pandemic on the economy and in turn their own personal finances. At Australian Lending Centre we are always looking for ways to answer your most pressing questions so you can make informed financial and borrowing decisions. 


Be your own financial guru, visit our blog for motivation.