Blog Author: Diane Challis

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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what is debt management
Debt Management
Diane Challis

What Is Debt Management?

Ultimate Debt Management Guide – We discuss the difference between good vs bad debt & give tips on how to escape debt. Find out what is debt management here…

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debt reduction strategies include budgeting||personal loans||debt management
Debt Management
Diane Challis

Debt Reduction: How to Stop Spending Impulsively

Debt reduction is all about making mental and lifestyle changes which can affect your spending habits. For some people, this may be kicking an addiction, and for others, it may simply involve setting a budget. Regardless of your personal situation, our debt reduction tips are here to help you stay on top of your messy finances.

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saving money on a lower income
Debt Consolidation
Diane Challis

Saving Money On a Lower Income

Many people think it is all too hard, but everything you do will help, even small changes can make a huge difference. We can all employ a range of measures that will prevent budget blowouts without sacrificing all the things you like doing.

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personal loans for bad credit
Personal Loans
Diane Challis

Pros and Cons of Extended Car Loans

While some experts believe that extended car loans should be avoided at all costs, as long as you are aware of both the pros and cons, you’ll know what to expect.

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personal loans
Personal Loans
Diane Challis

How Interest Works on Personal Loans

In the past, most people would stay away from personal loans. Nonetheless, this has changed considering that you might get more convenient terms on a

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classic car loan
Personal Loans
Diane Challis

How to Get A Classic Car Loan on a Budget

Collecting classic cars is one of the costliest hobbies around and it is a little trick to get a classical car loan. The price tag on such a baby is sure to cause a panic attack in many people. People found ways of getting a classic car loan despite having a normal budget that in certain circumstances would destroy their dreams of being at the wheel of a vintage beast.

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business loan despite bankruptcy
Business Loans
Diane Challis

Business Loan Despite Bankruptcy

Bankruptcy is a highly dreaded word in the realm of financing and getting a business loan despite bankruptcy is a bit difficult. Even though it is dreaded, many people end up in a situation in which filing for bankruptcy is the only solution they have.

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dealing with job loss
Short Term Loans
Diane Challis

Dealing with Job Loss

Dealing with job loss is never easy, especially if it was the sole source of your income. It gets worse when you lose the friends you made at that company. However, there are financial options such as quick loans that can make this point in your life easier.

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retirement spending plan
Financial Planning
Diane Challis

How To Create A Retirement Spending Plan

If you want to create a retirement spending plan, make sure that your expenses are lower than your income. But, if you have troubles in making ends meet, how will you do it? Good thing debtor refinance can help.

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family facing financial struggles
Financial Planning
Diane Challis

Tips to Manage Financial Challenges

Do you have a steady source of income which covers not only your needs but also your wants as well? If you’re one of the thousands of Australians who want secure finances but are also dealing with financial issues, you may be wondering how you can achieve that reality.

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How To Obtain A Large Bad Credit Loan
Bad Credit Loans
Diane Challis

How To Get A Large Bad Credit Loan

It’s no longer impossible to secure a huge amount of bad credit. Despite the fact that lenders view people with bad credit as high-risk borrowers,

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Questions for People Applying For Business Loans
Business Loans
Diane Challis

Questions for People Applying For Business Loans

Entrepreneurs and business managers face almost the same stress when it comes to operating a business. But the two are on opposite sides of the spectrum. They’re different. What is the difference? A manager operates an already-established business.

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personal loan for arrears
Personal Loans
Diane Challis

Reasons to Pay Arrears with a Personal Loan

Understand the main reasons why you should pay your arrears even if it means getting a personal loan to do it. We will also discuss a few tips on how to use your loans wisely to avoid getting into debt all over again.

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fix my credit score
Bad Credit Loans
Diane Challis

How Do I Fix My Credit Score?

Examine your files to know exactly the areas that you need to work on. For example, if you have a terrible credit history, it will be helpful if you can check which accounts you have missed paying, and when you started doing so.

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budgeting no credit check loans
No Credit Check Loans
Diane Challis

Developing Budgeting Techniques for your No Credit Check Loans

Sometimes, you have to make tough decisions to ensure that your projected income would exceed your projected expenses. You can either get a loan to raise your capital and eventually increase your income, or you can use it to consolidate your other debts and eventually save money in interests and fees.

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bad credit personal loans
No Credit Check Loans
Diane Challis

Low Credit Score loans vs No Credit Score Loans

Do you want to save money on loans? Here are three questions to help you better understand how lenders evaluate your loan application and how you can choose the best low credit score loans or no credit score loans available.

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part 9 debt agreements
Debt Management
Diane Challis

Debt Agreements FAQ

A debt agreement is one of the ways for the creditor to recoup some of their losses when the debtor is not able to pay them back in full and when it is difficult to collect on the debtor’s outstanding loan.

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What we do

Australian Lending Centre is the country’s largest provider of alternative loan products, debt consolidation services and refinancing for over 30 years.

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.

Why choose ALC?

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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Our team understands that not everybody is struggling, some people just need a better loan term with the highest quality of service and transparency.

Frequently asked questions about Australian lending centre

FAQ's

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