Blog Category: Debt Management

Our blog is designed to create understanding and responsibility around money management and empower you financially.

Home loans to buy the house of your dreams
ALC Blog
how can i manage debt
Debt Management

How can I manage debt?

Debt can very quickly pile up, but it can also be very quickly reduced or even removed entirely if done right. Wondering how can I manage debt? Find out here.

Read More
what does predatory lending mean
Debt Management

What Does Predatory Lending Mean?

Find out what does predatory lending mean and learn what to watch out for so you don’t fall into a financial trap with devastating consequences!

Read More
what is debt management
Debt Management

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…

Read More
debt free
Debt Consolidation

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!

Read More
How is APR Calculated?||How is APR Calculated?
Debt Management

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.

Read More
Coronavirus: Financial Security in a Pandemic
Debt Consolidation

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.

Read More
Budgeting Tips to manage finances||Budgeting Tips||Budgeting Tips
Financial Planning

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.

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

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.

Read More
debt reduction strategies include budgeting||personal loans||debt management
Debt Management

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.

Read More
Strategies For Getting Your Credit Cards Under Control
Debt Management

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.

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

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.

Read More
how to save money when online shopping
Debt Consolidation

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.

Read More
Debt Relief Tips For Smart Borrowers
Debt Management

Debt Relief Tips For Smart Borrowers

A great debt relief tip is to document your financial state. If you are married or living with a partner, writing down all your financial issues can help you talk about sensitive financial issues without getting into a lengthy argument.

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

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.

Read More
How to Successfully Get Out of Fast Loans
Debt Management

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.

Read More
fix my credit score
Bad Credit Loans

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.

Read More
part 9 debt agreements
Debt Management

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.

Read More
no credit check loans instant decision
Debt Management

How to Make Smart Money Decisions when you have Private Funding

How do you make smart money decisions when you have access to private funding? While you cannot avoid making mistakes when handling your money all the time, the goal is to limit these mistakes in order to avoid huge money losses. The key is earning profit to cover the loss.

Read More
debt consolidation loan||debt consolidation||Debt Consolidation
Debt Consolidation

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?

Read More
bad credit loans||no credit check personal loans
Bad Credit Loans

Should I Get Cash Now With Bad Credit?

A lot of people think that for you to build your business you need to get more debts, despite having a bad credit. Others also believe that getting into debt puts their business at risk of going bankrupt. So, how would you know if it is wise to get cash now with bad credit or not?

Read More
debt consolidation||debt consolidation loan||Debt Consolidation
Debt Management

The Wrong Ways to Pay Off Your Debt

There are other ways to pay off your debt without affecting your credit score in the process. Speak with a financial expert like Australian Lending Centre who offers free consultations on paying off debts and managing people’s finances.

Read More
Tips for Erasing Debt
Debt Management

Tips for Erasing Debt

Feeling discouraged and overwhelmed by debt is a feeling that many Australians experience. And things don’t get by any chance easier when you want to make ends meet, and your income is limited.

Read More
personal loans
Debt Management

Pay Off Debts and Save for Retirement

Saving up for retirement is one of the things that everyone should pay attention to and take into consideration. Sooner or later, you’ll realise it’s

Read More
payday loans australia
Debt Management

Growing Your Emergency Cash

Everyone should have an emergency cash fund. Having emergency cash available will give you a sense of financial security and it will stop you from

Read More
effects of bankruptcy
Debt Management

What is the Impact of Becoming Bankrupt?

Bankruptcy does not last forever. Usually, its protection lasts only a year. During the period, the individual’s financial affairs will be put under restriction. That

Read More
Debt Relief
Debt Management

Dealing with Retirement Debt

To many of us, retirement is the time when we would just have to sit back, relax, and enjoy the fruits of our hard labour.

Read More
Money Management Tips
Debt Management

Tips to Avoid Debt this Christmas

Every year the Christmas holidays could be considered as the most expensive shopping season. That is because consumers usually spend so much during this period

Read More
how to avoid a default
Debt Management

How to Avoid a Default

It is a mortal sin for every loan borrower to fall into a default. That is because doing so would lead to bigger trouble. If

Read More
debt consolidation australia
Debt Management

Australian Household Debt Increasing

According to the latest household debt information from the Australian Bureau of Statistics, average debt for each household is now at $50,500. It is up

Read More
Debt Consolidation
Debt Management

Aussie Families Struggle with Debt

One of Australia’s biggest reporting agencies says the global financial downturn is still hurting people, with 1 in 6 Australians struggling to pay off their

Read More
cash in 1 hour no credit checks
Debt Management

Australians Credit Habits Change

Australians have been shifting from credit cards to debit cards when making purchases showing changing credit habits. The value of purchases and cash advances on

Read More
debt consolidation
Debt Management

Debt is a Powerful Trap

Debt is one of the most hazardous forces to confront in the world of personal finance. It has destroyed many people’s lives in the past

Read More
home loan refinancing
Debt Management

Home Loan Stress reduced by Stimulus

In April 2009 mortgage stress dropped by 2.8% indicating that the recent Government stimulus payments were most likely used towards home loans. The total number

Read More
fast loans rapid quick fast personal loan||same day fast loans
Debt Management

Australia is a Cash Based Society

The Reserve Bank of Australia has conducted a recent study that indicates that Australia is still a cash based society. However it is not to

Read More
how to avoid debt traps
Debt Management

Avoid the Debt Trap

It’s not out of the norm to hear that 2009 was a hard year financially for many people and businesses – but now that the

Read More
Discover your fresh start loan options

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.

call Australian Lending centre now

We can help

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.