Blog Author: Jack Richings

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.

Gain financial freedom with Australian Lending Centre
ALC Blog
what is debt management
Debt Management
Jack Richings

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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risk of withdrawing super early
News
Jack Richings

Risk of Withdrawing Super Early

Has Covid put you into financial hardship? Don’t rush into anything before knowing the facts. Learn the risk of withdrawing super early here.

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how does private lending work
News
Jack Richings

How Does Private Lending Work?

Banks can be slow, time-consuming & often say no. But how does private lending work? Let’s take a deep dive into private lending & find out!

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debt free
Debt Consolidation
Jack Richings

10 Steps To Get Out of Debt

As daunting as it may feel, there are ways to escape debt (and it’s easier than you might think). Read our 10 steps to get out of debt!

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what is a good car finance rate
Personal Loans
Jack Richings

What Is a Good Car Finance Rate?

Buying a new car is really exciting, but finding the right finance rate depends upon your individual circumstances. Find out what is a good car finance rate here.

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How is APR Calculated?||How is APR Calculated?
Debt Management
Jack Richings

How is APR Calculated?

Wondering exactly what APR is and questioning how is APR calculated? We have all the answers you need to help you discover what the APR is and why it is so important when it comes to interest rates and borrowing money.

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Budgeting Tips to manage finances||Budgeting Tips||Budgeting Tips
Financial Planning
Jack Richings

Budgeting Tips – Learn How to Manage Your Finances

There are many benefits that come with budgeting. It’s something that everyone can do. It doesn’t matter how much you earn, what expenses you have, or where you are at in life. They can be created specifically for your needs. In this blog, we share budgeting tips to help you to manage your finances.

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How To Improve Your Lifestyle with Quick Loans
Personal Loans
Jack Richings

How To Improve Your Lifestyle with Quick Loans

There are so many different ways you can improve your lifestyle with quick loans, the problem is, many people don’t know what a quick loan is and exactly how one can help you out. Whether you are trying to find your way out of debt or looking for a bit of financial help over a certain period (such as the holidays) a quick loan can be the perfect solution.

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the benefits of refinance
Refinance and Refinancing
Jack Richings

The benefits of refinance

Most people lock themselves into a loan and chip away at it slowly over the years, without looking into their options and re-evaluating things down the track. The truth is, refinancing your loan can offer you so many benefits and it is definitely something you should be considering.

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the advantages of a personal loan
Debt Consolidation
Jack Richings

Advantages and Disadvantages of Personal Loans

There are so many different types of loans out there, it can be hard to know which one you should be taking out for your particular circumstances. We are going to take you through exactly what a personal loan is, when it’s a good option to take one out, the different types of personal loans and finally the advantages and disadvantages of them.

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small business owner dealing with rapid business growth
Business Loans
Jack Richings

How to Deal With Rapid Business Growth

When your dreams come true, and your business is not only up and running, but thriving and growing, it is truly a joyous feeling. Although you may want to take some time to bask in the light of your successful accomplishments, rapid business growth is actually a time for you to take a step back, to regroup, and to refocus.

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happy family renovating home on a small budget
Renovation Loans
Jack Richings

How To Renovate On A Budget

Renovating your home can become costly, especially when the bills start piling up. Many people start small and end up renovating their entire home. Problems arise, time flies and eventually, you’re too far in to stop renovating.

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Strategies For Getting Your Credit Cards Under Control
Debt Management
Jack Richings

Strategies For Getting Your Credit Cards Under Control

Plastic money, where all you have to do is swipe a card and that product or service is yours. It’s great, right? Until you get your credit card bill in the mail and realise you don’t have the funds to pay it off and the interest starts accruing.

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ways to refinance your home
Refinance and Refinancing
Jack Richings

5 Things To Consider When Refinancing Your Home

Ever got yourself in a circumstance where you need to replace your current home with a new mortgage? Well, home refinancing is precisely that – getting a new mortgage loan to replace the existing home loan.

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saving money with a piggy bank
Financial Planning
Jack Richings

10 Financial Habits That Will Enrich Your Life

Financial freedom is not impossible; as a matter of fact its very achievable. All that is requires is smart long term financial habits. Check out these handy and enriching financial tips.

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financial planning for new families
Financial Planning
Jack Richings

Financial Planning For New Families

Making the decision to start a family is both exciting and daunting. There’s so much to think about in terms of caring for a whole new little person in your lives, as well as setting yourselves up financially to ensure you can take the time off work you need and meet all the expenses that come with bringing a baby into your family.

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money bag home and mans hand in sunlight represent the benefits of paying off mortgage quicker
Refinance and Refinancing
Jack Richings

How Can I Pay Off My Mortgage Quicker?

If you become trapped in a bad cycle of debt and you cannot make loan payments, the banks can opt to sell your home to recover any capital. Don’t be in debt all your life, or risk losing your dream home. Instead, pay your debts off quickly and live financially free.

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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.