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.
If you finding it hard to manage multiple debts, combining all your loans into one makes good sense. Just one regular repayment, less stress and in most cases less fees and a lower interest rate.
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.
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.
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.
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 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.
Our varied range of finance options is 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.
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.
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.
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.
Our form takes less than 30 seconds and won't impact your credit score.
Once we get your enquiry, we will call to clarify details and get to know you.
You will need to upload your documentation so we can verify your information
Once your loan is approved, check and sign your loan offer.
Funds can be transferred in as little as 48 -72 hours from loan approval.
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.
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.
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:
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.
Australian Lending Centre offer personal, business and commercial finance that includes:
Debt consolidation is the process of combining all of your debts into 1 manageable loan on your terms.
If you are struggling to keep up with your repayments or if you’d like to change your loan length or interest rates then debt consolidation provides you with this opportunity.
With debt consolidation, you could benefit from:
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. Our blog is written by experts in their friend, on topics that matter to Australians today.