We take the stress out of borrowing
Personal loans | Debt consolidation | Business finance
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Need a loan with No Credit Check?
no credit check loans can help preserve your credit score
View our no credit check loans
Say Goodbye to Money Worries
Debt management strategies and debt consolidation loans are our specialty
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Bad Credit? We can help
Financial solutions to suit bad credit
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A 2nd Chance at Finance
We support you.. Start hearing YES again!
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Fast and easy business loans
Get your business started, back on track or growing
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Need to renovate? Need cash?
Why not refinance, free up some equity and get a better interest rate
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NO-effect-on-your-credit-fileNO effect on your credit file

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, Bad Credit Loans, Debt Management & Refinance

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 personal loans and 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

Why Choose Australian Lending Centre?

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 a genuine alternative to the big banks because non-bank lenders 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.

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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.

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.

Bad Credit Personal and Business Loan Specialists

Loans With No Credit Check

Australian Lending Centre have unique 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.

helping Australians for 25 Years

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.

Bad credit debt consolidation loans to become debt free

How do I apply?

Apply online

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

Let's Talk Finance

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

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.

Funds transferred

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

Personal and Business Finance Scenarios

paul out of control debt case study

Out of control debt – Paul


short term loan – Joseph

barbara business loan case study

Business finance – Barbara

samantha's refinance case study

Refinance – Samantha

Australian Lending Centre FAQ's​

Do you have two or more debts and struggling to manage the repayments? Are the debt collection phone calls, default notices and stress affecting your wellbeing?

At Australian Lending Centre, we specialise in options to help you manage your debt more effectively (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.

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.

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