Dreaming of a brighter future?

We have bank alternative loans and debt solutions for most financial circumstances, even if you have bad credit, need to consolidate debt or just get a better deal than you are currently getting. You deserve the chance to improve your current financial situation.

Apply for an Online Loan


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No impact on your credit file

No impact on your credit score

Online Loan Services for Aussies

Are you purchasing a new home or looking at refinancing? Australian Lending Centre is here to help Aussies just like you. We know there are many considerations throughout the online loan process. We also understand how difficult it can be to find an online loan in these tumultuous times. Even if you’ve been turned down for a home loan or refinance by the banks due to bad credit, we may be able to help!

Online Loan and Financial Services

Australian Lending Centre offers a full range of online loans with competitive interest rates and flexible payment terms for every consumer — even those with a less than perfect credit score. When you apply for an online loan with Australian Lending Centre, we create a customised online loan package to suit your budget and your unique circumstances. Take advantage of our full range of online loan products below or contact a specialist today.

debt consolidation loan

Debt Consolidation Loans

Debts can pile up quickly and with the rising cost of credit card interest rates. We offer an online loan for debt consolidation that can turn multiple payments and interest rates into one, convenient monthly debt consolidation payment.

ALC Refinancing

Refinance Loans

With refinancing, you replace your current mortgage with a new online loan — that means a new interest rate, new payment and new terms, all in your favour. If you just want some money and want to use your home’s equity to borrow against, you have come to the right place!

Short Term Loans Services

Short Term Loans

Whether you’re a business owner or a consumer, there comes a time when you need a fast cash loan, with no credit check. Our full range of short term, fast online loan products help get you out of the financial snag you’re in and help you get back on track.

Business Loans Services

Business Loans

Australian Lending Centre is here to help you with your business finance. If you need help to acquire new working capital or grow your business, we can offer a range of business loans.

Personal Online Loan Services

Personal Loans

Australian Lending Centre offers secured and unsecured personal loans to fit your specific situation, budgetary concerns and terms. Even with bad credit we aim to help your situation.

Home loans Services

Home Loans

If you are looking to up-size, downsize or invest, we offer a range of home loans. We have competitive home loan rates to first home buyers, self-employed, investors and refinance existing loans.

bad credit loans services

Bad Credit Loans

Having a bad credit rating that doesn’t necessarily mean you are a bad customer. ALC offer specialised bad credit personal loans. There are a multitude of reasons for a poor credit history, many of which are no one’s fault.

Low doc loans services

Low Doc Loans

ALC offer low doc personal loans. These low doc loans require minimal paperwork to get approved, ideal for the self employed individual or temporary worker; these loans require minimal paperwork to get approved.

Low Doc Loans Services

Secured Loans

If you have equity in property — commercial or private — you can qualify for a secured personal loan. Our secured personal loan, bad credit products offer the best interest rates, competitive plans and flexible terms.

Commercial Loans Services

Commercial Loans

With diverse commercial loan options for both big and small businesses, our commercial loan solutions aim to find the right product to suit your enterprise and business growth goals.

Debt Management Services

Debt Management

ALC specialises in helping customers to manage mounting and seemingly unmanageable debts and we offer help to create genuine debt relief plans to get you debt free in the future.

Non-bank Lenders Services

Non-Bank Lenders

Our primary goal is to help Aussies find the right financial solutions for non-conforming circumstances, especially those who can’t rely on banks for financial help. If banks say no, we may be able to help.

Customer Reviews

How do I apply for An Online Loan?

Apply Online

It takes less than a minute. Our online form will not impact your credit rating.

Let's Talk Finance

Once we get your enquiry, we will call you to clarify details and get to know you.

Upload documents

You will need upload your documents, so we can verify your information.

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Sign Your Documents

Once you loan is approved, you check and sign your loan documents.

Funds transferred

Funds can be in your account in as little as 48 - 72 hours from approval.