Fast Personal Loans in Australia

Explore our range of personal loans.

From car finance to debt consolidation; our loans involve no credit check and low documentation, making them a great option for bad credit borrowers.

Why Choose Us For Personal Loans

Australian Personal Loan Specialists

The Australian Lending Centre understands that everyone needs a cash injection from time to time. Our personal loans can be tailored to your specific situation, budgetary concerns, and terms.

You are more than a number to us. We never check your credit score, so whether you have a good, poor, or no credit history, your personal loan application will be assessed fairly.

Apply in less than 5 minutes:

Australian Personal Loan Specialists​

Get a Same-Day Personal loan in Australia

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

We provide a wide range of personal loan solutions, including Bad Credit Loans, Car Loans and Low Doc Loans. All of our loans 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

June 4, 2024
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Keanue was very helpful and informative!
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!

Personal Loans put the power in your hands

Managing your finances can be daunting. Living expenses, debts, leisure costs and other expenses can quickly accumulate, leaving you short in other areas.

Even with meticulous budgeting and financial planning, disposable income can be stretched thin. There may be little room for debt repayments, home improvements, healthcare expenses, or even cherished moments like a family vacation.

The best thing about personal loans is that they go straight into your bank account, to be used in whichever way you choose.

Personal Loans put the power in your hands

How to get a Personal Loan with Australian Lending Centre

Whether monetary concerns are distracting you from your academic success or you can’t afford medical treatment, a personal loan could be your answer.

As the term implies, our personal loans are tailored to your individual circumstances.

If you’re worried about a bad credit score, you can take comfort in the fact that we provide personal loans with no credit check.

We also provide personal loans for debt consolidation to help you pay off your debts in a simplified, affordable and achievable way.

What can an online personal loan be used for?

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Personal Loans for Debt Consolidation

Debt consolidation personal loans can combine and reduce repayments for current debts including credit cards, buy-now-pay-later and payday loans.

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No Credit Check Personal Loans

Applying with Australian Lending Centre does not impact your credit rating. A no credit check personal loan is a fantastic solution for receiving money without damaging your credit score.

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Low Doc Personal Loans

If you are self-employed or don’t have access to the mountain of paperwork that many lenders require, low doc loans are great. Our application process requires minimal documentation.

Car Loans​ icon

To buy a new Car

A personal loan for a car could offer flexible terms and low interest rates, rather than relying on tough bank restrictions or costly dealer finance.

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To cover Medical bills

When you need surgery, get injured, or have extensive dental work, it’s hard enough. Getting a loan to help out can relieve the pressure while you heal.

Holiday loans

For a Holiday

Everybody deserves a trip away every once in a while, but not everybody can afford one. Getting a personal loan for a holiday can be a real relief.

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To pay for Education fees

If school fees are holding you back from fulfilling your future, a personal loan for education could be your solution.

Wedding loans

For your dream Wedding

A wedding personal loan could make your special day a whole lot more special by eliminating money worries.

Home renovation Loans

For Home Renovations

With a home renovation personal loan, you can add value to your property or turn it into the home of your dreams.

Flexible Terms and Fast Approval

The requirements for banks and other traditional lenders are incredibly strict, but the Australian Lending Centre is different.

We offer real-time assessments and same-day approval for those who qualify. If you are looking for a quick personal loan then talk to us today.

The types of personal loans

The types of personal loans

Personal loans from Banks vs Private Lenders

Here are some key characteristics of loans from banks compared to loans from private lenders.

Banks:

Private Lenders:

Secured vs Unsecured Loans

Secured Loans

A secured loan involves pledging a personal asset, such as, a house or vehicle as collateral. This security measure you to obtain larger loan amounts and increases your chance of approval.

Secured loans also typically feature lower interest rates. However, failure to meet the repayment schedule could result in the asset being seized.

Unsecured Loans

An unsecured loan offers the advantage of not requiring collateral, unlike a secured loan. However, this benefit is offset by typically higher interest rates.

Should you default on the loan terms, it's likely that the lender will threaten legal action, produce fines and place a negative mark on your credit report (if applicable).

Personal Loan FAQ's

If approved, you can typically expect to borrow anything from $500 to $50,000 with a personal loan from a private lender. However, this depends on your individual circumstances. Some of the reasons why the maximum borrowing capacity differs from person to person include:

  • Income: Your income amount and source are both carefully considered. For example, if your main source of income is from Centrelink payments, then it may be difficult to be approved for a loan due to its unstable nature. The good news is that Australian Lending Centre does consider people with Centrelink income.
  • Employment: If you have a stable income that is unlikely to change, this is a good sign. Although self-employment can pose hurdles to some lenders.
  • Existing debt amount: If your Debt-to-Income Ratio (DTI) is 7 or more, loan approval and favourable rates are more difficult to obtain. It can look like you have over-committed and are unlikely to honour your new agreement. A DTI Ratio is essentially how much more debt you currently have compared to your income. A DTI of 3 would mean your total debts are 3 times more than your total gross annual income.
  • Lender policies: Every financial institution has its own criteria and limits.
  •  Dishonoured payments: Even without checking your credit score, lenders can still see if you have dishonoured debt repayments.
  • Your credit score*: Australian Lending Centre does not check your credit history, but many lenders do.*
  • The purpose of the loan: In some cases, the loan purpose has an impact on how much you can borrow. If you are consolidating debt, you’ll likely be able to borrow more.

The choice between fixed and variable interest rates depends on your financial situation, risk tolerance, and interest rate forecasts.

Fixed Interest Rates

Pros:

  • Predictability: Fixed interest rates remain constant throughout the life of the loan, providing consistent monthly payments. This can make budgeting easier since you always know your payment.
  • Rate Protection: Your rate and payments remain unchanged, so you are protected if interest rates rise in the future.

Cons:

  • Higher Initial Rates: Fixed rates are often higher than initial variable rates, which means you might pay more in the short term.
  • Less Flexibility: If interest rates drop, you won’t benefit from lower rates unless you refinance the loan, which may involve fees and additional processes.

 

Variable Interest Rates

Pros:

  • Lower Initial Rates: Variable rates usually start lower than fixed rates, making your initial payments lower and saving you money in the short term.
  • Potential Savings: If interest rates stay the same or decrease, you could pay less over the life of the loan than you would on a fixed-rate loan.

Cons:

  • Uncertainty: Monthly payments can fluctuate based on changes in interest rates. This can make budgeting more challenging, especially if rates rise significantly.
  • Risk of Increased Costs: If interest rates increase, your monthly payments could increase, potentially making the loan more expensive.

Yes, you can get a personal loan if you are self-employed, though some lenders make it more challenging than salaried employees.

Australian Lending Centre provides personal loans to self-employed people. We require minimal documentation (income amount, employment information and electronic bank statements) and NEVER check your credit score.

However, some lenders are more strict. For your best chance of self-employed personal loan approval, here’s a few tips:

  1. Ensure your documentation is strong by having bank statements, tax returns and business records to show that your income is stable enough to afford loan repayments.
  2. Try to achieve a good credit score to show lenders you are reliable and worth taking a risk on.
  3. Demonstrate financial stability by showing you have savings or other assets. Also, try to keep your Debt-To-Income (DTI) ratio as low as possible.
  4. Consider applying with a co-signer with a steady income and good credit if you’re applying with a bank.
  5. Securing your loan by offering collateral in the form of a house or a car can lower your level of perceived risk and increase your chances of approval.

Certainly! Australian Lending Centre specialises in bad credit personal loans. We never check your credit score, so bad credit alone will not prevent you from getting financial support from us.

Personal loans are incredibly versatile and can give you immediate access to funds.

Here are some reasons why personal loans are one of the best types of loans:

  • Personal loans involve a bank transfer directly into your bank account (except for debt consolidation, where your current debts are paid off)
  • Because the funds from a personal loan are paid via bank transfer, you can use the loan for virtually anything.
  • If you have multiple debts that you find difficult to manage, then debt consolidation personal loans can simplify and reduce your repayments, making your life easier.
  • Secured personal loans can mean lower interest rates and greater loan amounts.

Once a personal loan is approved and finalised, it will be transferred into your chosen bank account. This means you can use a personal loan for anything!

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

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 that 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 photography, wedding costs soon stack up. Getting a personal loan for wedding expenses can help transform your dream into a reality.