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Monday - Friday | 8:30 am–7 pm
Saturday | 10 am–4 pm
Sunday | Closed
Debt Consolidation
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Purchases
Home, Rent & Improvements
Business Loan
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Living, Utilities & Bills
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It is a big relief to have spoken to someone that was very helpful in the situation that I am in and my goals. Glad I reached out and got the assistance I needed. Highly recommend anyone feeling overwhelmed with debt speak with Pat and his team you will be heading in the right direction. It was a great experience. But I was hesitant at the beginning but so glad I reached out.
Pat was Super helpful in understanding of my goals moving forward and helping me see how achievable it can be to reach them. Very easy person to talk too and not scared to have have laugh and joke through the process which made me feel really comfortable. Recommend dealing with Pat. Shout out to Pat!!!!
I spoke with Pat today and he was absolutely wonderful. He wasn’t judgemental and he understood everything about my life basically and wanted to help. I recommend him to anyone that’s in financial difficulty. Because the way he has assisted me with my major problem was fantastic. I gave him 5 out of 5 because he was so good and because of him I will have a great night sleep with no more stress.
Spoke with Pat, he was very clear with every step of the process, made sure that I knew and understood certain terms or information and was able to provide me a solution/plan to help with my debts.
Pat also made me feel comfortable and was non-judgmental towards my circumstances and situation.
Was an absolutely brilliant experience and outcome that I honestly didn’t think possible. He was extremely professional and very sympathetic to my situation and genuinely listened and cared about what I was saying. Can’t recommend him highly enough. And thank you doesn’t feel enough…
Pat was amazing to talk to, I had my doubts of what was suggested but he put my mind at ease and explained everything clearly. He was very patient with my questions and my initial hesitation. Thank you Pat!!!
very user friendly application online form. the website is secure and runs smoothhly.only 4 minutes to apply online. excellent products. 5 stars from me welldone team thankyou
Lauren was fantastic
Lauren helped me with my situation
I highly recommend
Went out of her way to come up with the best solution and was very helpful every step of the way. Was a pleasure to deal with.
I was so surprised by the ease and compassion I was met with by Pat and the team, they made something I was quiet embarrassed about easy to understand and far less overwhelming then I thought it was going to be, I’m so grateful for the help I received and chance to be back in control of my finances 🙂
The person was very nice spoken she explained everything very clearly. She made me feel very comfortable to speak with her.
Best Debt Managment Solution Company Keanue understood my financial situation and was helpful in guiding me to a solution that worked best for me. He communicated clearly and concisely without feeling pressured. Would recommend this company highly
How do I apply?
1. Apply Online
Our low doc application takes 5 minutes. We will not perform a hard credit check when reviewing your application.
2. Same-Day Support
We'll be in touch via email or call (depending on how you like to be contacted) with a custom solution.
3. Fast Solution
You could receive a solution within 24 hours.
Applying for finance FAQ's
How long does loan approval take?
Loan approval can take up to 48 hours. Our goal is to find the best solution for you as quickly as possible.
Why was I redirected to another site when I applied?
In certain cases when you apply for finance, we are unable to find a loan product suited to your specific set of circumstances. In these cases, we will refer to another lender with greater flexibility and scope for loan approval. This will be clearly communicated to you at the time.
We actively practise responsible lending, which means that not all applicants are suitable for loans, despite us being more flexible that the big banks.
How do I apply for finance with a non-bank lender?
Big banks are weighed down by the cost of having a massive corporate infrastructure and multiple national branches. Non-bank lenders are more agile and can pass on savings to borrowers with lower interest rates. Some of the most competitive interest rates on the market are offered by non-banks.
What are bad credit loans and how do I apply?
What are bad credit loans and how do I apply?
Have you been knocked back for finance due to a poor credit history? Bad credit loans are designed for individuals and businesses looking for alternative lending solutions when traditional banks aren’t an option. These loans may be available even if you’ve had defaults or missed repayments in the past.
Get personal or business loan options with bad credit
If you have bad credit or a limited credit history, you’re not alone. It’s estimated that around 600,000 Australians face challenges due to credit defaults. While bad credit can make borrowing more difficult, there are lenders who look beyond just your credit file to assess your application.
Your Own Finance Specialist
We’re not a big bank with complex departments. When you apply with us, you’ll be supported by a dedicated consultant who can guide you from start to finish. We’ll work to find options that align with your financial situation.
Apply here in less than 5 minutes.
Do you offer Debt Consolidation?
Debt consolidation loans are our speciality. This involves:
- Combining multiple debts into one, making payments easier to manage.
- Getting a new, lower interest rate for your new consolidation loan, reducing overall costs.
- Having reduced monthly repayments thanks to a lower interest rate and extended length of loan.
- Benefiting from an improved credit score over time after consistently paying your loan on time and having your debt amount reduce.
Apply for debt consolidation through Australian Lending Centre and benefit from clear, structured, reduced debts and lower stress levels.
Why would I refinance my home loan?
Refinancing your mortgage comes with many benefits. These include:
Lower monthly repayments
If you apply for finance you will most likely get a new interest rate when you refinance. This is often lower depending upon how much the new debt amounts to, who the new lender is and the repayment terms for which you choose.
Change repayment lengths
Mortgage refinance is all about finding new terms to suit you. Therefore, you can move forwards with shorter terms or instead, you could choose to pay off the new loan over a longer period of time. It’s important to remember that the shorter your repayment length, the more your repayment amounts will be each repayment period.
Consolidate debts
Refinancing provides you with the opportunity to combine multiple current debts into one new one better suited to you. You can find out more about debt consolidation here.
Better repayment structure
With mortgage refinance comes greater flexibility. So whether you would like to make weekly repayments or monthly, the control is in your hands when structuring your new loan.
Remove a person from the mortgage
If you have recently gone through a divorce and would like to remove the name of a co-signer then refinancing is a great solution.
Could I be approved for a business loan?
Like with any loan, eligibility depends on your personal circumstances—including income, ability to make repayments, and other qualifying factors. We may be able to assist you in finding a suitable business loan solution.
We also support self-employed Australians through a simplified low doc application process, making it easier to explore potential finance options without extensive paperwork.