Blog Category: Financial Fitness

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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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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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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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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Debt Relief Tips For Smart Borrowers
Debt Management
Jack Richings

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.

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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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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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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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retirement loan
Personal Loans
Diane Challis

Prepare for Retirement with A Private Loan

Retirement planning has two phases, pre-retirement which can be described as the pre-accumulation of wealth, and post-retirement which is the distribution of your accumulated financial assets.

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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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Loans for bad credit
Bad Credit Loans
Diane Challis

Top Downsides of Loans for People with Bad Credit

Bad credit is something that almost every Aussie struggles with at some point; the only difference is the magnitude. If you’re in a position where your bad credit reaches the lowest of points, then you may be affected more than you can imagine.

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car loan mortgage application||car loans||Car Loans||car loans
Mortgage
Diane Challis

Will My Car Loan Affect My Mortgage Application?

The short answer is that a car loan can influence mortgage applications and under certain circumstances, it can get your requests denied. But do not let yourself discouraged. Evaluate your possibilities, cut down on the unnecessary expenses and, if you can, try to pay ongoing debts before applying for a mortgage.

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Credit Card Debt Trap
Credit Card Consolidation
Diane Challis

Credit Card Debt Trap

Australians spent late 2009 on a credit card bender which has led to a 25% leap in work for debt collectors. Don’t fall into the

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how to grow your savings
Debt Management
Diane Challis

Cut Costs and Grow Your Savings

The world might be slowly coming out of a recession, however, many people are still struggling to make ends meet. This could be largely due to a lot of people being made redundant, and still looking for work or only working part-time due to fewer job opportunities.

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bad credit personal loans
Bad Credit Loans
Diane Challis

Avoid Having A Bad Credit Rating

If you believe that a creditor has unfairly listed an overdue account on your credit file, you should contact them and ask for an explanation and for the incorrect information to be corrected.

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Generation Y Become Cautious Investors
Financial Planning
Diane Challis

Generation Y Become Cautious Investors

Once known as being among the most adventurous and carefree of all investors, those born in and after 1980 have suddenly become more conservative than their baby boomer parents.

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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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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.