Blog Category: Financial Planning

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
top budgeting tips
Financial Fitness

6 Top Budgeting Tips To Get Ahead

Manage your finances effectively with these top budgeting tips. We break down the 6 top tips to help you budget better. Find out here & start saving!

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risk of withdrawing super early
News

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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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!

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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.

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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.

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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.

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saving money with a piggy bank
Financial Planning

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

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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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.

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save money with the 50/30/20 budgeting rule||||the 50, 30, 20 budgeting rule
Financial Planning

Save Money With The 50/30/20 Budgeting Rule

Do you find yourself asking,how much money should I save? If you are already aware of your spending habits, then a budgeting plan can help you tighten your strategy and help you focus on the road ahead.

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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

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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retirement spending plan
Financial Planning

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

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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Questions for People Applying For Business Loans
Business Loans

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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budgeting no credit check loans
No Credit Check Loans

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

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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getting personal loans
Personal Loans

Top Methods of Getting Personal Loans from Private Lenders

Every individual or family may need personal loans from time to time. It may be for various reasons: the car broke down, the house needs some renovations, or their daughter is planning to get married in Spring. Regardless of the reason, money is needed as fast as possible.

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consolidation loans||debt consolidation||debt consolidation loan
Debt Consolidation

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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low interest private lenders||guaranteed approval loans for bad credit applications||low interest private lenders
News

Private Lenders: An Alternative Source of Financing

Whenever Aussies need a loan to finance a new car or house they go to the bank. Still, they seem to forget that there are also private lenders. Why should someone consider alternative sources of financing when there are plenty of banks?

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

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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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

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personal loans australia
Financial Planning

5 Personal Finance Resolutions

Your personal finance may not have run well in 2011. That is why you must be looking forward to make 2012 a better one financially.

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how to calculate your net worth
Financial Planning

Calculating your Net Worth

Your net worth could be an effective indicator of your financial condition. It could measure your annual progress financially. In general, the net worth is

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personal loans australia
Financial Planning

Retirees Struggle with Finances

A recent survey has shown that one in four self-funded retirees has been forced to return to the workforce as a result of their shrinking

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how to grow your savings
Debt Management

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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Generation Y Become Cautious Investors
Financial Planning

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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start a savings habit
Financial Planning

Start a Savings Habit

Many people find it very difficult to save. Any money they get they seem to spend. If this sounds like you, fear not. Below are some helpful tips to kick start your savings habit.

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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.