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.
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.
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 a great alternative to the big banks we are structured differently. Our 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 self employed applicants. Our lenders have range of lending criteria that the banks can’t achieve.
Australian Lending Centre have unique non-bank finance and debt management options that may not have occurred to you . We have helped many families and individuals across Australia reach their financial and lifestyle goals. Australian Lending Centre offers a varied range of alternative financing options for a diverse range of borrowers.
Australian Lending Centre is available across 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.
Form takes less than 30 seconds to apply. Does not impact your credit rating.
Once we get your enquiry, we will call you to clarify details and get to know you.
You will need upload your documents, so we can verify your information.
Once you loan is approved, you check and sign your loan documents.
Funds can be in your account in as little as 48 - 72 hours from approval.
Australian Lending Centre is a respected provider of bank alternative debt relief services, easy loans with no credit check, personal loans and refinancing options.
Our free online personal loans borrowing power calculator works out how much you'd be able to get as a personal loan.
Our free online budget tool helps you to see where your money is going.Track expenses and income easily, so you can make positive financial choices.
See how much making extra payments can save you over the life of the loan.
Calculate your repayments based upon term of the loan, interest rates and payment frequency.
Compare 2 personal loans on length of loan, payment frequency and interest rates.
Learn about how to manage your money better, discover how finance works and follow economic trends.
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:
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.
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
Australian Lending Centre offer personal, business and commercial finance that includes: