Blog Category: Debt Consolidation

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
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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Coronavirus: Financial Security in a Pandemic
Debt Consolidation
Christopher Riotto

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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the pros and cons of debt consolidation
Debt Consolidation
Christopher Riotto

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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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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reasons why you have been denied a home loan
Debt Consolidation
Jack Richings

10 Reasons Your Home Loan Was Denied

Understanding the reason behind your loan denial is a valuable learning experience. This reason helps you to pinpoint the areas of your financial life that need to be polished. You can always improve on this and reapply for the funding.

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how to save money when online shopping
Debt Consolidation
Jack Richings

How To Save Money When Online Shopping

Consumers are buying anything and everything. Now – this is not necessarily bad; but if you find yourself turning into an online shopaholic, it may be time to start thinking about how you can save money when online shopping.

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The rise of non bank lenders||Advantages and disadvantages of non- bank lenders||The history of non bank lenders
Business Loans
Jack Richings

The Rise Of Non-Bank Lenders

There was once a time where if you needed a loan, you only visited a bank.  Fortunately, times have changed. Yes, you can still go

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Fast way to pay back fast loan||||Close credit cards||"Paying your loan back faster"||Empty shopping cart to save money||
News
Jack Richings

Fast Loans and the Fastest Ways to Repay Them

When you need cold cash now, fast loans can be your best bet. Fast loans are quick and easy to obtain. Lenders can process loan applications within 24 hours meaning you can have your funds in your account overnight.

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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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The Benefits Of A Consolidation Loan
Debt Consolidation
Jack Richings

The Benefits Of A Consolidation Loan

Coping with debt is not only a financially challenging experience, but it is also emotionally taxing. Whether you have an unpaid medical bill, high credit

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Quick Loan Myths: Debt Consolidation
Debt Consolidation
Christopher Riotto

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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Save Money Family
Debt Consolidation
Diane Challis

Save Money Without Skipping A Family Day Out

It is perfectly normal for borrowers with kids to skip payments to make room for family fun, especially on the weekends. After all, memories matter more than money, right? We came up with several free or cheap fun family activities with your kids so you can enjoy all the fun without spending a penny.

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plan debt consolidation
Debt Consolidation
Diane Challis

Plan Debt Consolidation For Your Business Loans

Many Australians are burdened with debts, you may want to plan debt consolidation as a solution. This method does come with its benefits, and it can be a real life-saver if you’re mounting debts from different sources.

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alternatives to debt consolidation
Debt Consolidation
Diane Challis

Alternatives to Debt Consolidation

Debt consolidation loans are feasible but more often than not, they can turn very sour and can bury the person in even more debt when they are not careful in using their loan. The following five tools are alternatives to debt consolidation.

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Qualifying debt consolidation loan
Debt Consolidation
Diane Challis

Tips on How to Qualify for a Debt Consolidation Loan

Banks often reject applications of those with unstable income and negative credit entries on their credit report, unless they have sufficient security for the loan. Good thing there are available debt consolidation loans for people with bad credit.

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consolidation loans||debt consolidation||debt consolidation loan
Debt Consolidation
Diane Challis

Debt Consolidation vs Creating Your Own Repayment Plan

Choosing the right financial recovery tool can be quite a headache! What’s the best choice between debt consolidation and making your own repayment plan? What are the factors to consider when making a decision? Read on and find out.

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bad credit home loans||personal loan||personal loans
Debt Consolidation
Diane Challis

Secured Loans: Planning Ahead

Secured Loans Secured loans are debts that you secure with a collateral-like a home, car or any other property. In case of defaults, your creditor

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debt consolidation loan||debt consolidation||Debt Consolidation
Debt Consolidation
Diane Challis

Is Debt Consolidation better than Bankruptcy?

When you have a lot of debts with different interest rates, the first thing you will think of is debt consolidation. However, there are certain situations when debt consolidation doesn’t make the cut and other options seem more feasible. Is bankruptcy one of them?

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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.