Blog Author: Christopher

Our news section is to help debunk myths around money, empower you financially and written by experts such as ALC CEO Christopher Riotto and his specialist team. Learn to save, spend wisely and get debt under control.

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ALC Blog
credit card reforms
News
Christopher

Credit Card Reforms 2020

Credit cards can be great, but they can also cause bad debt. This is why the Credit Card Reforms 2020 were brought into place to protect you. Find out here!

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Coronavirus: Financial Security in a Pandemic
Debt Consolidation
Christopher

Coronavirus: Financial Security in a Pandemic

Financial security and pandemic. The two don’t really go hand-in-hand, do they? As if facing a global health crisis wasn’t terrifying enough, the world’s economic nosedive is hitting Australian families and individuals hard. Really hard. But as with most things in life, rest assured there will be light at the end of the tunnel.

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alc small loan bad credit
Bad Credit Loans
Christopher

How Can I Get A Small Loan With Bad Credit?

If you think you’re out of luck, just because your credit is less than perfect, I have good news for you. It is not impossible to get a loan with reasonable terms, as long as you know how to apply the right way.

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poor habits that lead to bad debt||loans for people with bad credit
Debt Management
Christopher

Poor Habits that Lead to Debt

If your habits put you in financial troubles, it may be time to change them. You are responsible for your financial success. Desire it and set a good plan of action; simply keep moving until your credit card debt and other loans are fully paid and you achieved the income level you desire.

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Buying your property at auction
Home Loans
Christopher

Top Tips for Buying Property at an Auction

If you’re not experienced in buying a house at an auction, this may turn into a roller coaster ride of hell that you’ll just wish you never got on in the first place. This is where some handy tips for buying your property at auction come into place.

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benefits of short term loans
Short Term Loans
Christopher

5 Benefits Of Short Term Loans

Taking a loan isn’t proof that you aren’t administrating your finances well or that you aren’t earning enough money to support your family. A loan is a great method that offers you a way out of a problem!

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the pros and cons of debt consolidation
Debt Consolidation
Christopher

Debt Consolidation Loans: Pros vs Cons

We all have seen the advertisements, from the sublime to the absurd, for payday lenders and car title loans. There are a lot of options out there when it comes to debt consolidation loans. 

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overcoming credit card debt
Credit Card Consolidation
Christopher

How to overcome credit card debt

Taking out a new credit card for the first time is a huge, exciting milestone. You suddenly find yourself with access to more money when you need it. Of course, this is all money that needs to be repaid on time. If you miss payments the interest will start adding up and you will find yourself in more debt than you bargained for.

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Payday Loans Australia payday loans australia
Short Term Loans
Christopher

Cash Advance With Payday Loans

Payday loans usually come with very high-interest rates . These rates can come in the form of a flat fee or a certain percentage of the cash advance payday loans. For example, a cash advance lender may charge 20% per $100 borrowed. This means that the borrower has to pay $20 in interest on a monthly basis.

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Quick Loan Myths: Debt Consolidation
Debt Consolidation
Christopher

Quick Loan Myths Everyone Should Stop Believing

Quick loans are suited for people that are in urgent need of cash but cannot access it elsewhere. Therefore, as long as you meet the loan repayment terms, everything is fine. Things are likely to get off track when you miss making repayments or you default – which applies to all types of loans.

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How to Successfully Get Out of Fast Loans
Debt Management
Christopher

How to Successfully Get Out of Fast Loans

Dealing with multiple fast loans is next to impossible, all the more so when each of them has a different interest rate. If you’re in this unfortunate position, debt consolidation is your best shot at getting out of those loans.

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refinance for self employed
Refinance and Refinancing
Christopher

Guide: Refinancing for Self-Employed Aussies

Self-employed borrowers encounter difficulties when they’re looking to refinance their loan. This happens because financial institutions will take a closer look at their income and are sceptical due to not knowing how their business is going to progress.

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struggling small business owners
Business Loans
Christopher

Struggling Small Business Can Survive

In a recent report among some small and medium enterprises, researchers found that optimism had dropped 41% to just 38% from the previous year. This decline in confidence has caused many small businesses to act cautiously and begin reevaluating the year ahead.

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We’re not like your average bank. We don’t have extensive queues that make you wait weeks for funding and we don’t discriminate based on credit history.

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Whatever your situation, you are bound to have questions about our process, products and services, which we've compiled together for you.