Your Trusted Australian Loan Specialist

The Australian Lending Centre is a one-stop shop for all financial solutions, from debt support to bad credit loans. Regardless of your current circumstances, we are here to help.
        
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No impact on your credit file

no impact on your credit rating

The Australian Loan Specialists

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.

Your 2nd Chance at Finance!

Australian Lending Centre offer reputable non-bank, alternative finance and understanding. If you have been rejected or declined by your bank for one of these forms of finance because of bad credit, contact one of our specialist lending consultants today. We look forward to giving you a fair go with an Australian loan, for personal or business finance, regardless of financial history. You can apply easily and quickly online. Our enquiry form takes just 30 seconds.

Types of finance we can help with

debt consolidation loan

Debt Consolidation Loan

A single loan combining multiple debts into a new loan with one interest rate and an easy repayment schedule. This can reduce rates and fees, simplify your finances and stop creditors from hassling you.

Have a bad credit history

Bad Credit Loans

Having a poor financial record is normal and affects thousands of Australians each year. The Australian Lending Centre offers specialised loans even when the banks have said no. We are your 2nd chance at finance.

Discover your fresh start loan options

Personal Loan

Australian Lending Centre offers secured and unsecured personal loans to fit your specific situation. Whether it be for a new car, a holiday or student fees, our personal Australian loans could be a great opportunity.

Business Loan

Australian Lending Centre is here to help you with your business finance. If you need help to acquire working capital or grow your business, we offer a wide range of business loans, regardless of your credit score.

Home Loans

Home Loan

We have a wide range of home loans available. These include investment property loans, mortgage refinance, renovation loans and bad credit home loans. The options are endless.

Debt Management Services

Debt Management

The Australian Lending Centre offers a wide range of home loans to suit almost any need. From first home buyer loans to renovation loans, we have the solution for you.

car loans and finance

Car Finance

Looking for car finance but you have a complicated financial history? This is the kind of finance that we do best here at the Australian Lending Centre.

home loan

Secured Loans

If you have equity in a property — you may be a candidate for a secured personal loan. Our secured finance products offer the best interest rates, competitive plans and flexible terms.

Low doc loans services

Low-Doc Loans

ALC offers low doc personal loans. Low doc loans require minimal paperwork to get approved, ideal for the self-employed individual or temporary worker.

Why Choose Us For Australian Loans?

debt consolidation support

We Are Trusted Non-Bank Loan Providers

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 credit license in Australia: 389119 and operate to within the strict standards set by ASIC.

We are structured differently than the big banks, making us a great non-bank alternative. 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 can’t achieve. This means a greater chance of approval for people with complicated finances, such as self-employed or bad credit applicants.

Trusted Companies 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.

Bad Credit Australian Loan Specialists​

Australian Loans With No Credit Check

Our varied range of finance options are designed to suit a diverse range of borrowers. This includes no credit check loans – a perfect financial solution if you need a cash injection without the negative effect on your credit score.

Helping Aussies for 25 Years

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.

Simplify Your Debts

debt consolidation

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.

Are your Credit Cards Out of Control?

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.

How do I apply?

apply online

1. Apply Online

Our form takes less than 30 seconds and won't impact your credit score.

loan consultant icon

2. Let's Talk Finance

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

upload financial documents

3. Upload Documents

You will need to upload your documentation so we can verify your information

sign loan offer

4. Sign Loan Offer

Once your loan is approved, check and sign your loan offer.

Loan funds transferred

5. Funds Transferred

Funds can be transferred in as little as 48 -72 hours from loan approval.

Fast & Easy Financial Options

Australian Lending Centre is a respected provider of bank alternative financial services. We provide Australian loans for bad credit; as well as debt relief, business finance, debt consolidation and more. Best of all, by applying with the Australian Lending Centre, you can take advantage of fast and easy loans with no credit check.

Why Choose Us for debt consolidation

Australian Lending Centre FAQ's​

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 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.

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:

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 & 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.

Learn How To Manage Money On Our 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.