Fast Personal Loans

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.