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Our no credit check loans can help preserve your credit score
Apply with no credit check!
Need to renovate but don't have the cash?
Why not refinance, free up some equity and get a better interest rate
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Get a Second chance With Debt Consolidation Loans
The best debt consolidation loan can bring your finances back under control
Consolidate Debt Today!
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While our enquiry form is a soft enquiry with no impact on your credit rating, in some cases we may not have a financial product suitable for your situation, and you may be redirected to a third party lender. This lender may require a credit check, but only at your discretion.

Debt Consolidation Loans, Bad Credit Loans & Refinance

Australian Lending Centre offer reputable non-bank, alternative finance, understanding debt relief services, debt consolidation loans, business finance, personal loans and refinancing loans. If you have been rejected or declined by your bank for one of these forms of finance because of bad credit, business or personal, contact one of our specialist lending consultants today. At Australian Lending Centre we look forward to giving you a fair go with finance, regardless of your credit history. If you are looking for a  quick small personal loan, you can apply online, without the drama of long applications. Our enquiry form takes about 30 seconds at the most. 

What Are Some of your Finance Options?

Check our our non-bank Lender, Bad Credit and debt consolidation loans

Simplify Your Debts With A Debt Consolidation Loan

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Debt collectors calling? consolidate Your Debt!

Australian Lending Centre is a high-quality provider of bad credit finance and debt consolidation Australia wide for business and personal reasons.

ALC strives to assist people and businesses who may have multiple credit cards and personal finance, leading to debts they may feel is out of control. Often high interest on credit and store cards, as well as personal or business finance, may make it hard to pay off your debt in the longer term.

Need A Credit Card Consolidation Loan?

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

Australian Lending Centre goes above and beyond to find the right debt consolidation loan to truly match your needs and payment capacity. Our primary goal is to make finding the perfect business or personal finance option as stress-free as possible.

Bad Credit Personal Loans and Business Loan

Loans With No Credit Check to Help Australians

With Australian Lending Centre’s broad financial product offerings we may have unique options that may not have occurred to you as a future solution such as low doc loans, bad credit loans and home loan refinance. Australian Lending Centre has helped many families and individuals all across Australia reach their short, medium and longer term financial and lifestyle goals. Australian Lending Centre offers a varied range of alternative financial options for a diverse range of borrowers.

We've been helping Australians for 25 Years

The fast and easy Australian Lending Centre business finance and personal loan options are available in all areas of Australia: 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.

Bad credit debt consolidation loans to become debt free

How do I apply for A Bad Credit Personal Loan or Debt Consolidation Loan?

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Apply online

Form takes less than 30 seconds to apply. Does not impact your credit rating.

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Let's Talk Finance

Once we get your enquiry, we will call you to clarify details and get to know you.

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Upload documents

You will need upload your documents, so we can verify your information.

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Sign Your Documents

Once you loan is approved, you check and sign your loan documents.

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Funds transferred

Funds can be in your account in as little as 48 - 72 hours from approval.

Why Choose Australian Lending Centre?

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Reputable Non-Bank Loan Specialists

When your financial needs and circumstance 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 valid credit license in Australia: 389119 and operate to within the strict standards set by ASIC, so we are accredited to provide personal loans, business loans, bad credit loans and debt consolidation.

We are a genuine alternative to the big banks because non-bank lenders are structured differently. Non-bank lending products often have lower fees on financial products compared to retail banks. This means a higher likelihood of favourable acceptance for people with complicated finances, such as bad credit scores, minimal documentation, as with the self-employed. Our lenders have range of lending criteria that the banks can’t complete with.

What Finance Options Do We Offer?

Australian Lending Centre is a respected provider of bank alternative loan products, debt relief services, debt consolidation loans, easy loans with no credit check, personal loans and refinancing options. 

Why Choose Us for debt consolidation

Australian Lending Centre FAQ's​

Do you have multiple debts and can’t keep up with the repayments? Are you finding the debt collection phone calls and default notices too much and it is adversely affecting your life?

At Australian Lending Centre, we specialise in debt consolidation loan options (often with lower interest rates, as with credit card consolidation) into one easy repayment.

Our debt consolidation loan expertise helps eliminate the stress of seemingly unmanageable debt from your life as fast as possible.

Many applicants, with our help, may be able to lower monthly payments, lower interest rates on your existing loans, release equity in your home to loosen up extra funds, to stop those upsetting harassing debt collector calls and avoid bankruptcy. We have specially designed loan repayment calculators to work out an estimate of how much you could borrow for your desired payment term on your current income, financial situation and debt levels.

Australian Lending Centre is a bank alternative broker offering complimentary loan consolidation consultations to clients who reach out for help with debt assistance. While our head office is based in Sydney, New South Wales, we offer our services to every part of the country.

Our application processes are done online and by phone, so we are able to offer a high level of personal service to all Australians.

If you want to combine your debts in Canberra, Perth, Adelaide, Sydney, Tasmania or even Darwin, all Aussie locations are eligible for our debt consolidation loans.

Don’t wait for things to get worse, take control and call the Australian Lending Centre on 1300 138 188 or apply with us today. There is no impact on your credit score and application is totally obligation-free.

If you aren’t a candidate for a debt consolidation loan we have other options such as debt arrangement and part 9 debt agreements, as well as debt negotiation, so whatever your circumstances there is a light at the end of the tunnel.

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 finance, 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:

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.

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.

Gain Approval And Get Fast Cash

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

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.

Do you need a second chance at finance but the banks are saying no? Bad Credit Loans offer individuals and families a chance at finance, despite an impaired credit history. Bad credit has impacted so many people this year, and we believe everyone deserves a second chance.

Get personal or business loan approval despite bad credit

If you have bad credit or thin credit, you are not alone. It is estimated that around 600,000 Australians are candidates for credit default. Defaults can happen beyond your control. When applying for car loans or a mortgage, bad credit can be a real issue, but it shouldn’t have to be. All Australians should access affordable credit.

Your Own 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.

Refinancing your mortgage comes with many benefits. These include:

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.

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.

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.

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.

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.

Yes, whether you want secured or unsecured business loan we aim to find the right fit for your needs. No matter how many debts you’re facing, if you you want to consolidate business debts, we got you covered with our tailored consolidation business loans suitable for your financial situation.

Yes, loan consolidation is one of Australian Lending Centre’s core areas of specialty. If you have multiple credit cards with high interest debts that need to be consolidated (combined – to access easier payment schedules and possibly lower interest), we may just be the best choice for you.

Australian Lending Centre’s loans are well known for combining multiple debt into single loans. While it might feel like you are stuck in a debt rut, there is always a way out.

No, we don’t do pay day loans. Australian Lending Centre have a range of bank alternative 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 pay day loans, visit MoneySmart.

Warning about Pay Day Loan borrowing…

Australian Lending Centre offer 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
  • And many more…

Australian credit card and debit card statistics 2020:

  • Average credit card purchase $101.17
  • Average credit card balance $2728
  • National Australian spend on credit cards each month  $24,710,717,998
  • Credit cards in circulation in Australia 15,443,821 
  • Total number of purchases: 2,985,010,219
  • Total value of credit card purchases in Australia.
  • Average monthly balance $3,264

Source: Graham Cooke, who heads up Finder’s consumer research team, Finder & Reserve Bank of Australia.

If you are having trouble managing your credit card debt, it’s easy to see why. Please contact us for support if you need help consolidating your credit card debt.

What Our Clients Say - Testimonials

Testimonial disclaimer: genuine testimonials, however images are actors for illustrative purposes.

Visit Our Australian Non-Bank Finance Blog

Times are really tumultuous at the moments and many people are confused about the impact of the pandemic on the economy and in tern 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. Our blog is written by experts in their friend, on topics that matter to Australians today, especially areas like debt consolidation loans, bad credit loans and loans with no credit check. We hope that our blog can help you to learn and grow financially. 

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