The Australian short term loans industry has has negative perceptions in the past. There are numerous misconceptions regarding short term loans. Some unscrupulous lenders in the past have employed unethical lending practices. Australian Lending Centre is committed to the highest standards of ethics when it comes to short term loans. The main feature of short term loans is that they have the flexibility to pay the loan back sooner, thus saving interest. Even those with bad credit may be eligible for short term loans.