Fast Personal Loans

The Australian Lending Centre has a large range of personal loans for a range of needs, including car finance, debt consolidation, bad credit, low-documentation and no credit check.
No impact on your credit score

Personal Loans… Create The Life You Want

Personal loans are just that – personal. Australian Lending Centre understands that a variety of situations can arise leaving you without the funds you need. ALC offer personal loans to fit your specific situation, budgetary concerns and terms.

Whether you have good credit, poor credit, or bad credit we strive to work with your situation. ALC take into account more factors than just your credit report. So if you have a low credit score or no credit score, your application is not assessed on your credit score you can still apply with us!

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Get a loan that gives you a little more

Paying your mortgage or rent, on top of household bills, groceries, education, transport and all of your other expenses all adds up. Even after careful budgeting and financial planning, you can be left with next to nothing to spend on repaying debts, home renovations, medical and dental bills, school fees, a special family holiday or essential technology, such as laptops for the kids.  So where do you turn? Australian Lending Centre provides loan products targeted to suit you and give you the leg up that you need to enjoy the little treats in life.

Get what you want now

Our aim is to help you to get you want when you want it. Rather than saving for a year, only to be able to afford a short trip away out of the city; with our range of personal loans, Australian Lending Centre allows you to dream bigger. Enjoy a fun-filled trip to Florida, or a relaxing getaway to the Maldives. Take the opportunity to get a new car now rather than in 1 years’ time. Instead of struggling to afford school fees and having to work a job alongside your studies just to get by, a personal loan can take the focus away from your finances and onto your studies. As the name suggests, personal loans are designed around you, so whatever your reason, you can find a personal loan to benefit you.

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How do I apply for a personal loan?

Step 1 apply for finance online icon

Click the “Start Your Application” button below.

Step 2 Click apply now button cion

Select the type of loan that you want by clicking the button with the icon.

Step 3: Fill out the form icon

Continue through the form and follow through to the upload document prompts.

Step 4: Receive your money fast icon

If approved, the funds could be transferred to your account as little as 72 hours.

Types of online Personal loans…

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Debt Consolidation Loans

Struggling to manage multiple debts? Debt consolidation can combine credit cards, buy-now-pay-later, payday loans, car finance and more.

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Car Loans and Finance

Rather than relying on tough bank resrictions or costly dealer finance, talk to ALC about your next new or used car for better rates and flexible terms.

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Home Renovations

Add value to your property or just turn it into the home of your dreams. Update the tired kitchen or bathroom, or give the exterior a facelift.

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Medical or Dental Loans

When you need surgery, get injured or your teeth need extensive work, it's hard enough. Getting a loan to help out can take the pressure off while you heal.

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Holiday Personal Loans

Give you and the family a well deserved break without having to save for years. Take off to your dream destination now, you only live once!

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Wedding Loans

Wedding memories are so precious and you want to enjoy the day without having to cut corners. Get a loan for the most important day of your life.

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School Fees/Education

Instead of having to come up with tuition in one lump sum, dedication and school fee loans allow you to pay of this important expense over time.

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Low-doc Loans

If you run a cash business or are self-employed you might not have the mountain of paperwork that many lenders require.

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Secured Loans

When you have equity in an asset, it can be easier to get a loan and can also mean you get a better interest rate, as you are seen as a less risky borrower.

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Boat and Yacht Loans

Want to be the captain of your own boat? Make the most of Australia's waterways and have fun with family and friends. We offer loans to make this a reality.

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Tax Debt Loans

If you have been overpaid by Centrelink or you have a debt with the ATO it can be pretty stressful, but we offer loans to help over come this obstacle.

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Equipment Finance

Do you need a new computer, bigger fridge or that home entertainment system? Our equipment loans could get you closer to those goals.


  • Interest-rates and fees are likely to be low.
  • 'Bad credit' customers are generally rejected
  • Highly regulated, strict criteria, 'by the book'.
  • Will not take on a borrower who is 'high risk'.

Private Lenders

  • Fast and easily online application.
  • More flexible loan criteria, less rigid.
  • Change of acceptance, even with bad credit
  • Look beyond the ordinary criteria for approval.

Debt Consolidation

Debt consolidation personal loans are a great way to tie all of your debts into one. This makes managing your finances much easier and can also save you heaps on interest as new, more favourable terms could be offered to you. With all of your debts tied into one debt consolidation loan, you will only have to make repayments to one lender and will receive no more pestering calls from your creditors who were once owed money.

secured loan for debt consolidation
short term personal loans for a new bathroom

Secured Personal Loan

Put simply, a secured loan is where a personal asset, such as a house, car or even jewellery is used as ‘collateral’ against your loan. So, if you continually fail to meet the terms of your agreement by making repayments on time, then your asset can be seized.

  • You can receive greater loan amounts by securing your loan against an asset.
  • Interest rates are lower for secured loans.

Unsecured Personal Loans

In comparison to a secured loan, you do not need to give up any personal assets as security with an unsecured loan. This means that interest-rates are higher with unsecured loans and if you fail to meet the terms of your agreement you can expect your credit score to plummet and to be taken to court by the lender.

Personal Loan Interest Rates

Fixed rate personal loan

Fixed rate personal loans maintain the same advertised interest-rate for the entire loan term. They will not fluctuate. This can be great if you manage to receive a low interest-rate at the time of applying for the loan. You also never have to worry about the risk of the rate rising, meaning you can budget very accurately effectively. However, this also means that you will be unable to take advantage of lower interest rates if they happened to drop during the course of your loan.

Variable rate personal loan

You can expect the interest rates for variable personal loans to be raised or lowered during your loan term. This means that you can benefit from interest-rates lowering, but also may suffer from a spike to your rate. These fluctuations can occur as often as once per month, or as rarely as quarterly or even yearly. It is worth looking at the market rates and recent fluctuations before undertaking a variable rate personal loan.

Online Personal Loan FAQs

Medical expenses, while expensive, can be crucial. Private insurance in Australia doesn’t cover the gap between what Medicare offers and what the specialist charges. It’s important to keep stress levels low when facing medical issues and personal loans can help to take the stress of your finances away.

If you want elective surgery, it can cost $5K upwards for even simple procedures under private health insurance.

Dental care isn’t covered under Medicare in Australia. If you need some emergency work to be done or one of the kids needs braces, it can cost thousands. A personal loan for dental work can be the solution to help you get the treatment you need when you need it.

Aside from the joy and fantastic memories that weddings bring, the debt which comes attached can be staggering. According to the Federal Government’s Moneysmart survey, weddings in Australia cost on average, $36,000. It was concluded that approximately 60% of couples paid for their wedding with the help of a loan. From the venue to dresses, to entertainment, to photography; weddings are far from cheap, but getting a personal loan for wedding expenses can help to transform your dream into a reality.

There are ways to save money on your wedding day, but you don’t want to cut corners and spoil the day. You need to ensure that everything, from the hair and makeup, video, music, venue, food, lighting and decor is everything you want it to be, and more.

These days kids need to have a reliable and quality laptop or tablet to be able to flourish without worries at school. You can opt for the less expensive brands, but frankly, they aren’t going to last the 6 years if you buy a cheaper model. Investing in the best technology, gives your children a great start. If you have more than one child however this can be really tough for families to manage. This is why we have equipment loans. You can buy the kids the best devices, as well as purchase the family PC with a bigger screen to use for projects from home.

Australian Lending Centre is here to support small businesses and provide them with the greatest chance of survival. We understand that being self-employed can make getting this documentation hard to come by, particularly if you have been formed for less than 2 years. For this reason, we provide flexible loans tailored to suit you. We want your business to succeed and for you to receive your funds quickly with ease and confidence.

As long as you can provide evidence that you can service the loan repayments, you can apply with ALC.

Being self-employed can come with so much potential and opportunity, but receiving finance is not one of these. While you may need a loan to help to get your business off the ground or to push for growth, it can be virtually impossible to supply the endless list of documents and evidence required by banks. Particularly if you have only recently set up your self-employed business and therefore do not have years-worth of bank statements and tax documents to hand. The Australian Lending Centre understands that financial support can be essential when running your own business. Whether you need help covering working capital, marketing expenses or to cover equipment or stock costs, you can receive help in the form of a self-employed personal loan.

Are you going back to work or are the kids returning to school? Can you afford all of the fees that might be heading your way? School fees, uniforms, transport costs, tech, trainers and sports equipment all add up.

Student fees in Australia are epic. From tuition fees, to accommodation, to weekly living expenses; it can be difficult to keep on track with money as a student. Personal loans for students can help to cover some of the additional costs and keep your head above water. Whether that be a laptop to enhance your productivity, or a car to get you to lectures on time; a student personal loan could be your solution.

At ALC we design a tailored personal loan to meet you loan need as well as your capacity to service the loan. This remains the case even if you do have bad credit. You will receive slightly higher rates and fees with a bad credit personal loan, however the opportunity to receive finance will not disappear. 

As mentioned above, you can still get a personal loan with bad credit. Interest rates will just be higher and you can expect for banks to reject your application, potentially causing further damage to your credit score as a credit enquiry is stamped on your file.

Private lenders will be more offering to provide you with finance for bad credit. This is usually in the form of a secured loan.

Are you a shop-a-holic or somebody who struggles to spend within their means? If so, then taking any form of loan out might not be the best decision. But if you do really need financial help and you trust yourself to make repayments responsibly, then personal loans are a great way to give you the finance you need whilst keeping you under control. This is because a personal loan gives you a lump sum, agreed upon at the time of application, meaning no risk of overspending, unlike a credit card where the temptation can get too much.

Studies from Alpha Beta state that as much as one-third of millennials do not trust banks. This paves the way for private lenders such as Australian Lending Centre to provide personal loan solutions.

If you’re looking to make a large purchase, such as a car, and pay it off over a long period of time, then personal loans usually provide you with a better interest rate than you could get with a credit card. Most personal loans have terms between 1 – 5 years in length, allowing you to spread the cost out and make more manageable payments. It’s important to note that the longer your chosen loan term, the more you will pay in interest.