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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No Credit Check Loans

If you're looking for a loan without your credit file being checked then a no credit check loan is an amazing solution. At Australian Lending Centre, we never check your credit, so you're safe with us.

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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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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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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.


  • 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.

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

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.