OK
            96.777
        
At its core, debt is a sum of money that is owed to another party. While many view debt to be a bad thing, this is not always the case. Many people require debt in order to carry about their day to day life. An everyday example of this is a credit card. You use the banks money to make a purchase with your credit card and as a result owe the card provider the sum of the purchase. The benefit to the card provider is that there is often an additional charge for using this convenient service.
Debt management is about ensuring you adhere to the agreed terms of your loan and pay back the balance in the agreed installments and time frame. This can also be referred to as servicing your debt. While it may sound simple enough this process can often become clouded when a person is in debt for more than one reason. If repayments are missed this can often result in fees and charges which can unfortunately put a person in a position where they are unable to pay back installments.
Debt consolidation is about making the management of your debt simpler. It aims to bring all your debt together with one institution, rolling it into one payment, reducing the likelihood of default (missing the repayment). Debt consolidation is a way of simplifying your debt to ensure that your loan is working for you and not against you. At Australian Lending Centre we’re experts in debt and debt consolidation. If you still find yourself asking the question “what is debt?” give us a call and we’ll be more than happy to chat and help you get your finances under control!
A bad credit history will usually mean that traditional lenders see you as a credit risk and therefore, it will be more difficult to obtain finance. However, the Australian Lending Centre can provide support to those seeking bad credit loans and find the most competitive interest rate with the best terms of repayment available. For more information on bad credit loans, view our bad credit loans page or contact the Australian Lending Centre today on 1300 138 188.
A bad credit rating has an impact on your ability to borrow money from traditional lenders. However, there are a number of things you can do to fix your bad credit rating. Here are a few tips we suggest: Pay Off Your Debts A bad credit history will never be repaired if you have black marks and outstanding defaults on your credit file. If you are struggling to pay off your debt, you should consider talking to the Australian Lending Centre about negotiating with your creditors or entering a debt agreement to pay off your debts. If you are unsure of what needs to be done to repair your bad credit rating, we can chat to you about how to go about fixing this and let you know about your options for obtaining a bad credit loan. View Your Credit Report Contact the Australian Lending Centre – we can help you obtain a copy of your credit file. Once you have your credit file, you can see if any credit reporting agencies have made any errors by placing a black mark on your name. Sometimes this can happen when a name is misspelled (and black marks are incorrectly assigned to you instead of somebody else). You can challenge these errors that have led to a bad credit rating and in doing so, correct you bad credit history. Cut up Your High Interest Credit Cards Credit cards and store cards are one of the quickest ways to get a bad credit rating. When you miss a few months of payment, your credit card provider can place black marks on your credit report which can take years to be removed. Credit card debt is one of the easiest ways to get into trouble as many people are accustomed to relying on credit card debt to get them through life when they do no have sufficient funds to finance their lifestyle. Even when credit cards are paid off, they can be run back up to their limit in very little time. With such high interest rates on credit card debt and store cards, the best option is to simply cut up your credit cards and stop spending on them. This means changing your spending habits slightly, for example, using a debit card instead of a credit card. This may help you prevent another infringement or black mark leading to a bad credit rating.
Our loans start from $5,000. We can advise your maximum limit over the phone once we have assessed your individual situation.
We can approve your loan over the phone and provide funds in as little as 24 and 72 hours providing we are satisfied that you meet all documentation, loan suitability and ability-to-pay requirements at the time of application.
This is a common scenario – you are not alone. We understand sometimes life can throw tough times at us, and you may have had difficulty with making payments on time. Our consultants will look at your situation and discuss the best finance solutions available to you.
We specialise in helping get people out of arrears. A large percentage of our clientele experience falling behind with their mortgage payments when they come to us.
We will cover any upfront costs that may be incurred and recover them once your loan is settled.
We service the entirety of Australia in both urban and rural locations.
We will always try to find the best repayment plan for you. Debt consolidation would be an ideal option to reduce the interest and save you thousands. Refinancing is another great alternative.
Debt consolidation is the process of taking two or more loans and combining them into a single loan (a ‘debt consolidation loan’) that can help you to save money by reducing the amount of interest you pay, reduce repayment periods and improve personal cash-flow. Debt consolidation also makes your life a little easier by giving you one easy-to-manage repayment. A debt consolidation loan can pay off your credit cards, personal loans and even your home loan, and provides you with greater financial freedom. Contact the Australian Lending Centre right away to learn about your options for debt consolidation.
Credit card consolidation is simply taking out one loan (a debt consolidation loan) for the purpose of paying off two, or several credit card debts.

* indicates required information.

I have read and accept the privacy policy.

“simplify life with ALC loans”

I was on a financial mess, me and my partner were fighting all the time for money issues, the people in ALC help me a lot and make life so much easier and more important my life style and relationship improved a ton. Is incredible what you can achieve with a bit of help an support. Thank you so much guys!

Matt, SYDNEY - NSW

The Australian Leading Centre helped me with finance for my business in April. The process was very easy and the staff, especially Verushka, were great. They kept me informed of what was happening and managed the process for me. From the time of my first enquiry to having the money deposited in my account was quick compared with other lending institutions and the after settlement service has been excellent.

Simon, BATEAU BAY – NSW

I cannot thank you enough and let you know how grateful I am for all the assistance that you and the staff have provided and I look forward to recommending you to friends and family should they need financial advice or assistance. Keep up the great work.

Paul, ERSKINEVILLE –NSW

We love working with the Australian Lending Centre. They are a very talented team with a well though-out process and a lightning speed turnaround time. If you need a financial solution, go for it. ALC group is the team for it.

Jack, Victoria

I just wanted to say how nice it was to speak to a company that’s not pushy and desperate for sales commission. I just spoke to Lilly and although she was unable to assist me due to my current situation, it was refreshing to get some simple advice without any obligation to sign up for something that I didn’t want. It really shows that your company actually cares about helping people.

Andrew, QLD

I was in such a tight spot. I tried the banks for a personal loan and they all rejected me because I didn’t have a credit history to my name because I just started working and paying bills with my name on them. But the team at Australian Lending Centre took me on and helped me throughout the entire process. If not for them, I don’t know where I’d be right now. Highly recommended!

Jack L., BLACKTOWN - NSW

I would highly recommend your services to any person in need and will keep you on top of our directories for any further needs we may have. Once again I commend yourself and your staff for extraordinary service and customer service, as this is a great asset to your company and a pleasant experience to customers such as myself. Wishing you all the best for the future.

Barbara, DANDENONG – VIC

I just thought I would let you know about how fantastic Rebecca has been with my application I will be recommending Australian Lending Centre to every body I know and mentioning Rebecca name as she has been absolutely 110% helpful.

Cole, ADELAIDE – SA

The team at Australian Lending Centre went above and beyond their requirements to assist me with my debt consolidation. They were friendly, professional, and absolute gems to work with.

Sarah, WA

If I had to use only two words to describe Australian Lending Centre: trustworthy and quick. They were so nice to me and my husband and listened to us with an open ear and no judgement. They were able to secure us a loan that helped us get out of debt.

Carly & Steve, MELBOURNE

I was on a financial mess, me and my partner were fighting all the time for money issues, the people in ALC help me a lot and make life so much easier and more important my life style and relationship improved a ton. Is incredible what you can achieve with a bit of help an support. Thank you so much guys!

Matt, SYDNEY - NSW

I was in such a tight spot. I tried the banks for a personal loan and they all rejected me because I didn’t have a credit history to my name because I just started working and paying bills with my name on them. But the team at Australian Lending Centre took me on and helped me throughout the entire process. If not for them, I don’t know where I’d be right now. Highly recommended!

Jack L., BLACKTOWN - NSW

I would highly recommend your services to any person in need and will keep you on top of our directories for any further needs we may have. Once again I commend yourself and your staff for extraordinary service and customer service, as this is a great asset to your company and a pleasant experience to customers such as myself. Wishing you all the best for the future.

Barbara, DANDENONG – VIC

I just thought I would let you know about how fantastic Rebecca has been with my application I will be recommending Australian Lending Centre to every body I know and mentioning Rebecca name as she has been absolutely 110% helpful.

Cole, ADELAIDE – SA

The team at Australian Lending Centre went above and beyond their requirements to assist me with my debt consolidation. They were friendly, professional, and absolute gems to work with.

Sarah, WA

If I had to use only two words to describe Australian Lending Centre: trustworthy and quick. They were so nice to me and my husband and listened to us with an open ear and no judgement. They were able to secure us a loan that helped us get out of debt.

Carly & Steve, MELBOURNE

The Australian Leading Centre helped me with finance for my business in April. The process was very easy and the staff, especially Verushka, were great. They kept me informed of what was happening and managed the process for me. From the time of my first enquiry to having the money deposited in my account was quick compared with other lending institutions and the after settlement service has been excellent.

Simon, BATEAU BAY – NSW

I cannot thank you enough and let you know how grateful I am for all the assistance that you and the staff have provided and I look forward to recommending you to friends and family should they need financial advice or assistance. Keep up the great work.

Paul , ERSKINEVILLE –NSW

We love working with the Australian Lending Centre. They are a very talented team with a well though-out process and a lightning speed turnaround time. If you need a financial solution, go for it. ALC group is the team for it.

Jack, Victoria