June 4, 2024
google icon
Keanue was very helpful and informative!
May 24, 2024
trustpilot logo

Great customer service, super informative and every helpful.

May 16, 2024
trustpilot logo

Grady was amazing! So thoughtful and understanding with not a single hint of judgement in his voice. I felt safe to express my emotions and like I was finally going to receive the assistance I need to get back on track. THANK YOU!

April 29, 2024
trustpilot logo

Chloe was so helpful, patient and knowledgeable. She was so good in explaining everything in a clear manner, and was friendly and provided me the information needed.

April 17, 2024
trustpilot logo

Keanu was friendly, patient and explained everything perfectly and gave me the assurance and guidance that I needed. He was a delight to speak to and he helped make a awkward, embarrassing conversation..easy and pleasant
Thank you Keaunu

March 25, 2024
trustpilot logo

Keanue was an absolute delight to deal with! I got everything laid out in simple terms and was able to understand a very typical hard finance conversation so easily. He was incredible empathetic and fantastic to talk about my financial situation with. Would highly recommend!

March 24, 2024
google icon
Fantastic very good lovely person to talk to Chloe..
March 22, 2024
trustpilot logo

I was able to get the support and help i needed with Pats Guidance. He didn’t judge me and gave me assurance that everything will be okay. Thankyou Pat for your exceptional service.

March 14, 2024
trustpilot logo

Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.

February 29, 2024
trustpilot logo

Keanue was so great to talk to and nothing but helpful. I’ve struggled trying to get financial help because I was nervous and didn’t want to be judged. Keanue was so understanding, judgement free and wanted nothing more than to help me however he could.

February 22, 2024
trustpilot logo

Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
google icon

Great assistance & very professional

February 20, 2024
google icon

Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
trustpilot logo

Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
google icon
Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
google icon

Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
trustpilot logo

This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
trustpilot logo

Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
trustpilot logo

Chloe was super friendly and helpful

February 8, 2024
trustpilot logo

I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
trustpilot logo

Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
trustpilot logo

Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
trustpilot logo

He was very helpful and understand too notch employee

January 18, 2024
trustpilot logo

Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
trustpilot logo

Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
trustpilot logo

Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
google icon

Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
trustpilot logo

Was great to talk to would do it again if I had to

December 20, 2023
trustpilot logo

Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
trustpilot logo

Chloe was fantastic to deal with, very professional!!

December 13, 2023
trustpilot logo

Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
trustpilot logo

Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
trustpilot logo

A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
trustpilot logo

Chloe was brilliant and super helpful

December 6, 2023
trustpilot logo

Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
trustpilot logo

Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

December 4, 2023
trustpilot logo

Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

November 29, 2023
trustpilot logo

Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
trustpilot logo

Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
trustpilot logo

Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
trustpilot logo

Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
trustpilot logo

Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
trustpilot logo

This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
trustpilot logo

Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
trustpilot logo

First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
trustpilot logo

It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
trustpilot logo

Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
trustpilot logo

I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
google icon

It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
google icon

Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
google icon

Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
google icon

Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
trustpilot logo

Friendly, understanding and informative

November 14, 2023
google icon
Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
google icon
Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
trustpilot logo

Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
trustpilot logo

The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
trustpilot logo

Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
trustpilot logo

She was so understanding and amazing

October 24, 2023
trustpilot logo

Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

August 17, 2023
trustpilot logo

Easy doing application online Verification and approval of application for quite turn around.

August 3, 2023
trustpilot logo

I recommended this to anyone because it was so easy going and very easy to use

March 22, 2022
trustpilot logo

I found Kayla to be very professional and non judgement to the advise l was asking, she had a lovely approach and manor on the phone. Would highly recommend this company

December 10, 2021
trustpilot logo

Kayla has been lovely to deal with. She’s been responsive and helpful, suggesting multiple solutions to help me meet my needs. She has shown empathy and warmth, genuinely caring for her customers and their situation. Thank you Kayla 🙏

June 30, 2021
trustpilot logo

I am so happy with the service that was provided to me, me and the customer service officer had a laugh, figured out my finances and I am able to get a new car thanks to her.. I have never ever been so happy in my life

June 29, 2021
trustpilot logo

Brilliant.. one of easiest interviews I have done. 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Kristina was funny, engaging but more than anything calm. When dealing with peoples finances which is such a stressful subject she was calm.

June 28, 2021
trustpilot logo

Chloe was great. Very helpful and genuine

June 28, 2021
trustpilot logo

Professional and very clear

June 23, 2021
trustpilot logo

Kathleen was very friendly and easy to talk to. She confirmed everything to ensure she had our details correct. She explained our options and answered all the questions we may have.
Very happy overall with our time spent on the phone with Kathleen.

June 22, 2021
trustpilot logo

Chloe’s honesty and active listening skills were outstanding. She broke down the options for me and helped me feel at ease throughout this process. Thank you an asset to your team.
Rachel Rogers

June 21, 2021
trustpilot logo

Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.

June 21, 2021
trustpilot logo

Kathleen was polite and compassionate looking forward to getting back into a better position

June 18, 2021
trustpilot logo

Chloe was very understanding and polite with regard to my situation and offered effective strategies to suit my needs moving forward. Excellent customer service and support.

June 17, 2021
trustpilot logo

Kathleen was absolutely amazing! Professional, easy, friendly & quick to get results.
Before I made the phone call I was depressed & embarrassed and didn’t know what to do about my stressful financial debt.
I’d spoken to around 4 other loan consolidation companies and they were no help.
I was loosing motivation & very confused but decided to make one last phone call to try and get help to fix my current financial mess.
Thank goodness I called & spoke to Kathleen!
By the end of the call a weight has been lifted off my shoulders and I no longer felt stressed.
I couldn’t believe that I actually felt excited and in control of my finances for the first time in a longtime.
Thank you so much Kathleen & team for helping me.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.
Thank you Kathleen!

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.

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.

Whether you want secured or unsecured business loan we aim to find the right business loan 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, credit card debt consolidation is one of Australian Lending Centre’s 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.