No Credit Check Loans

An online no credit check loan will not affect your credit rating

Why Choose Us For No Credit Check Loans?

Easy no credit check loan solutions

We will never perform a hard credit check when assessing a loan application, so protect your credit score and apply with Australian Lending Centre to have the best chance of approval with a no credit check loan.

Apply in less than 5 minutes:

Easy no credit check loan solutions

Get a Same-Day no credit check loan

Apply within 5 minutes by clicking “Start Your Application” below and completing the online application form. It’s really fast & simple

We provide a wide range of financial solutions, including Debt Consolidation, Personal Loans and Debt Management. Each of which involve absolutely NO credit check.

We require minimal documentation, making the whole process super speedy. If you qualify, you can expect a same-day approval!

Our excellent reviews say it all

May 24, 2024
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Great customer service, super informative and every helpful.

May 16, 2024
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Grady was amazing! So thoughtful and understanding with not a single hint of judgement in his voice. I felt safe to express my emotions and like I was finally going to receive the assistance I need to get back on track. THANK YOU!

April 29, 2024
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Chloe was so helpful, patient and knowledgeable. She was so good in explaining everything in a clear manner, and was friendly and provided me the information needed.

April 17, 2024
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Keanu was friendly, patient and explained everything perfectly and gave me the assurance and guidance that I needed. He was a delight to speak to and he helped make a awkward, embarrassing conversation..easy and pleasant
Thank you Keaunu

March 25, 2024
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Keanue was an absolute delight to deal with! I got everything laid out in simple terms and was able to understand a very typical hard finance conversation so easily. He was incredible empathetic and fantastic to talk about my financial situation with. Would highly recommend!

March 24, 2024
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Fantastic very good lovely person to talk to Chloe..
March 22, 2024
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I was able to get the support and help i needed with Pats Guidance. He didn’t judge me and gave me assurance that everything will be okay. Thankyou Pat for your exceptional service.

March 14, 2024
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Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.

February 29, 2024
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Keanue was so great to talk to and nothing but helpful. I’ve struggled trying to get financial help because I was nervous and didn’t want to be judged. Keanue was so understanding, judgement free and wanted nothing more than to help me however he could.

February 22, 2024
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Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
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Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
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Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
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Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
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Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

November 29, 2023
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Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
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Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
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It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
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It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
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Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
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Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

August 17, 2023
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Easy doing application online Verification and approval of application for quite turn around.

August 3, 2023
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I recommended this to anyone because it was so easy going and very easy to use

March 22, 2022
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I found Kayla to be very professional and non judgement to the advise l was asking, she had a lovely approach and manor on the phone. Would highly recommend this company

December 10, 2021
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Kayla has been lovely to deal with. She’s been responsive and helpful, suggesting multiple solutions to help me meet my needs. She has shown empathy and warmth, genuinely caring for her customers and their situation. Thank you Kayla 🙏

June 30, 2021
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I am so happy with the service that was provided to me, me and the customer service officer had a laugh, figured out my finances and I am able to get a new car thanks to her.. I have never ever been so happy in my life

June 29, 2021
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Brilliant.. one of easiest interviews I have done. 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Kristina was funny, engaging but more than anything calm. When dealing with peoples finances which is such a stressful subject she was calm.

June 28, 2021
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Chloe was great. Very helpful and genuine

June 28, 2021
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Professional and very clear

June 23, 2021
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Kathleen was very friendly and easy to talk to. She confirmed everything to ensure she had our details correct. She explained our options and answered all the questions we may have.
Very happy overall with our time spent on the phone with Kathleen.

June 22, 2021
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Chloe’s honesty and active listening skills were outstanding. She broke down the options for me and helped me feel at ease throughout this process. Thank you an asset to your team.
Rachel Rogers

June 21, 2021
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Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.

June 21, 2021
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Kathleen was polite and compassionate looking forward to getting back into a better position

June 18, 2021
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Chloe was very understanding and polite with regard to my situation and offered effective strategies to suit my needs moving forward. Excellent customer service and support.

June 17, 2021
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Kathleen was absolutely amazing! Professional, easy, friendly & quick to get results.
Before I made the phone call I was depressed & embarrassed and didn’t know what to do about my stressful financial debt.
I’d spoken to around 4 other loan consolidation companies and they were no help.
I was loosing motivation & very confused but decided to make one last phone call to try and get help to fix my current financial mess.
Thank goodness I called & spoke to Kathleen!
By the end of the call a weight has been lifted off my shoulders and I no longer felt stressed.
I couldn’t believe that I actually felt excited and in control of my finances for the first time in a longtime.
Thank you so much Kathleen & team for helping me.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.
Thank you Kathleen!

No Credit Check Loans Protect Your Credit Rating

Life is expensive. Living costs are always rising and the temptation of travel and material goods can be hard to resist.

Juggling your bills in addition to your luxuries is difficult, especially without financial support, but even loans can be a headache to manage.

Each year, Aussies see their credit scores take a hit due to missed payments or credit enquiries, making loan approval feel impossible.

The solution? Apply for a no credit check personal loan with Australian Lending Centre. Unlike traditional lenders, we look at your whole financial picture without touching your credit history.

No Credit Check Loans Protect Your Credit Rating

How Do I Qualify for a No Credit Check Loan?

If your credit report isn’t perfect, or if you don’t have enough documentation to support a traditional finance application, we can step in.

Whether you’re after a self-employed no credit check loan or a no credit check loan for bad credit, we’re here to assist in any way we can.

Our flexible loan structure allows us to tailor a specific solution to each client. Applying takes minutes, requires minimal documentation and absolutely no credit checks!

What Can I Use No Credit Check Loans For?

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Education Expenses​

A no credit check loan can cover school fees, university tuition, and essential items like textbooks, laptops, and uniforms.

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Utilities And Bills

Household expenses are constantly increasing, so if you’ve received a shock energy bill or a drastic rise in mortgage repayments, we could help.

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Car Repairs

A broken-down car never comes at the right time. When urgent repairs or maintenance are necessary, pay for them promptly while safeguarding your credit.

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Medical Bills

Illness and injury can be a drain on finances and as a result, can also damage your credit. No credit check loans for medical bills can help you feel better faster.

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Dental Costs

Whether you’re afraid of the dentist or not, nobody likes dental bills. Knowing that you can fund urgent dental work without affecting your credit file is comforting.

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Business Finance

Being self-employed or running a small business can inhibit your ability to apply for finance due to the pile of documentation that a traditional lender requires. We’re different.

Flexible terms & Fast approval

The lending requirements for banks and other traditional lenders is incredibly strict.

If you are one of the many Australians with rocky patches in your credit history and need a fast cash injection, then a small loan with no credit check is a fantastic option which can be specifically designed to suit you.

Do you need a no credit check loan because of bad credit?

Reasons Behind A Bad Credit Rating

Reasons Behind A Bad Credit Rating

Are you in the hunt for a no credit check loan because you are in a position of bad credit?

Bad credit affects thousands of Australians each year and can mean:

  • Loan approval is hard to come by
  • You face higher interest rates and fees
  • You must secure your loan against a personal asset.

Three main reasons why you might have a bad credit rating are:

Making Late Repayments

Regularly failing to make repayments on time can diminish your credit score, and leaving a repayment unpaid for a prolonged period of time may result in a default being placed on your file.

Multiple Credit Enquiries

Each time you apply for a loan when a hard credit check is run, a credit enquiry is listed on your credit report. If you have many credit enquiries it could suggest you are borrowing above your means.

Poor Credit Utilisation Ratio

Credit Utilisation Ratio is the amount of credit that you have used versus what is available. E.g. if you have spent $1,000 of your $5,000 available credit then the calculation is: $1,000 / $5,000 = 0.20 (20%). A credit utilisation ratio of less than 30% is likely to have a positive effect on your credit score.

How can I improve my credit score?

Fortunately, there are ways to turn your bad credit rating back around. It can take years for defaults, court judgments, credit enquiries and black marks to be removed from your credit file naturally, however, another solution is Credit Repair.

Discover the 3 main methods to improve your credit score below:

Credit Repair

Credit repair is a fast and effective method for fixing poor credit. Negative listings such as defaults and credit enquiries could be disputed and removed on your behalf in as little as 30 days, increasing your credit score.

Stop making credit enquiries

If you've recently applied for a loan and a hard credit check was performed, try to wait at least 6 months, and if possible longer, before submitting another application. Multiple credit enquiries can suggest you're borrowing above your means.

Make Repayments Responsibly​

Timely debt repayments and careful management of your credit utilisation ratio will, over time, improve your credit score. It can take time to notice results but this is an effective strategy and a great habit to get into.

No Credit Check Loans FAQ's

Our range of no credit check loans for personal and business use are specially designed for Australians with bad credit or without the ability to access certain documentation (tax history, payslips, etc).

Past credit issues, including bankruptcy, won’t immediately disqualify you from our funding. Even if you have a high amount due on your credit accounts or personal loans, we could still help. If you have a form of employment, income and a bank account, you could potentially qualify for a loan with no credit check.

Start by completing the fast online application form and wait to hear from us with the outcome. Fast finance can be acquired as little as 24 hours after applying. Best of all, your credit score will remain intact!

Australian Lending Centre provides a wide range of products for personal loans with no credit check and low documentation requirements, catering to individuals with limited or adverse credit histories.

However, it’s crucial to note that we still need to verify your ability to manage repayments based on your current income. While our documentation requirements are minimal, you will be asked to provide electronic bank statements for an assessment to be carried out.

It depends upon your individual circumstances whether your loan can be secured or unsecured.

Please reach out to one of our specialists and discuss your situation and needs. They will be able to give you a clear direction and provide the best outcome for you.

A secured loan is where the money you owe is backed by an asset (collateral), such as a house or a car. If the borrower defaults on the loan, the lender can seize the collateral to recover losses. The benefit of this form of finance is that it comes with greater flexibility.

If you have bad credit, your interest rate could generally be higher than someone with excellent credit, but Australian Lending Centre aims to offer the most competitive interest rates with our no credit check personal loans.

No form of finance is ever guarenteed. If a lender ever advertises that they can guarentee approval then they are most likely a predatory lender.

No, Australian Lending Centre is not a payday lender.

A “thin credit file” is where a person doesn’t have very much activity within their credit file. They may never have owned or used a credit card and the credit history may have only a couple or no records.

A “thin file” can make applying for and getting, finance difficult, as lenders cannot see a pattern of repayments or a proven track record and the borrower can be considered a risky proposition. If you do have a thin credit file then try to take some steps to obtain smaller credit amounts and build up your credit history before you apply for bigger loans.

Remember – if you are rejected by a traditional lender (e.g. bank) this is still recorded as a credit enquiry which will pull your credit score down making it even harder to gain approval in the future. Always be sure of your approval chances before applying.

Many lenders utilise the FICO scoring system to identify your credit score. The numerical range is approximately 300 – 850. Above 670 is considered to be in the good or excellent range.

If you have a limited credit history or suffer from bad credit, it is important to know the contents of your credit file before deciding to apply for a loan. This will help you to understand your situation when approaching lenders. You might even find that when you check your credit your score is better than expected.

The great news is, we require very minimal documentation.

You can quickly and easily submit your bank statements online at the time of application which tell us most of what we need to know, aside from any other questions that are also asked to you within our application form.