Enquire online or get in touch

Our experienced and compassionate consultants are waiting to help you. All you have to do is enquire using our online form, start a chart or call us on 1300 138 188. We are here to help!

Apply For Finance Today!


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No impact on your credit file

No impact on your credit score

ALC’s experienced team can assist you with the loans and financial services for people from a diverse range of situations.

Office Hours:

Monday to Friday: 8.30 am to 9 pm | Saturday 10 am to 4 pm | Sunday by appointment

Australian Credit License: 389119 | ACN 113 466 550 | ABN 86 113 466 550

When you apply for finance with us, it 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.

Customer Reviews

How do I apply for Finance?

Apply online

Apply in under a minute. Will not impact your credit rating.

Discuss Options

We feel a phone call can help in understanding your situation


Upload your documents so we can process your application

responsible lending
Check and Sign

Once you loan is approved, read your contract and sign.

Funds transferred

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

Applying for finance FAQ's

When you apply for finance it can take as little as 2-3 hours, and up to 48 hours depending on your documents, finances and individual circumstances. Our goal is to find the best solution for you as quickly as possible.

In certain cases when you apply for finance, we are unable to find a loan product suited to your specific set of circumstances. In these cases we have lenders we will refer you with greater flexibility and scope for loan approval.

We actively practise responsible lending, which means that not all applicants are suitable for loans, despite us being more flexible that the big banks.

Don’t be discouraged, there may be an alternative, if you have poor credit or you are bogged down in debt. This can include credit repair or a negotiated debt arrangement, to help you combat rising, multiple and unmanageable debt or a poor credit history.

Please call us on 1300 138 188 if you are interested in these other options.

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 to apply for 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 when you apply for finance. 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

If you apply for finance 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. Apply for finance today.

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.

Check out 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, 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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