Debt Consolidation
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Australian Lending Centre FAQ's
How can I combine my debts into one loan?
Do you have two or more debts and struggling to manage the repayments? Are the debt collection phone calls, default notices and stress affecting your wellbeing?
At Australian Lending Centre, we specialise in options to help you manage your debt more effectively (often with lower interest rates, as with credit card consolidation) into one easy repayment.
Our debt consolidation loan expertise helps eliminate the stress of seemingly unmanageable debt from your life as fast as possible.
Many applicants, with our help, may be able to lower monthly payments, lower interest rates on your existing loans, release equity in your home to loosen up extra funds, to stop those upsetting harassing debt collector calls and avoid bankruptcy. We have specially designed loan repayment calculators to work out an estimate of how much you could borrow for your desired payment term on your current income, financial situation and debt levels.
Australian Lending Centre is a bank alternative broker offering complimentary loan consolidation consultations to clients who reach out for help with debt assistance. While our head office is based in Sydney, New South Wales, we offer our services to every part of the country.
Our application processes are done online and by phone, so we are able to offer a high level of personal service to all Australians.
If you want to combine your debts in Canberra, Perth, Adelaide, Sydney, Tasmania or even Darwin, all Aussie locations are eligible for our debt consolidation loans.
Don’t wait for things to get worse, take control and call the Australian Lending Centre on 1300 138 188 or apply with us today. There is no impact on your credit score and application is totally obligation-free.
If you aren’t a candidate for a debt consolidation loan we have other options such as debt arrangement and part 9 debt agreements, as well as debt negotiation, so whatever your circumstances there is a light at the end of the tunnel.
What are Personal Loans With No Credit Check?
For those who have bad credit, no credit check loans provide an opportunity to gain finance even if other lenders have said no. They also protect the credit that you do have from declining due to excessive enquiries.
Since your credit score is not checked with this form of finance, no credit check loans do come with their drawbacks. Interest rates are generally higher and you will only be able to borrow smaller amounts of money compared to other types of loans. This is due to the greater level of risk that this form of loan poses since there is no proof that you are a reliable borrower.
No credit check loans do, on the other hand, come with benefits, including:
No Additional Credit Enquiry On Your File
You will not receive a credit enquiry on your file, meaning that you can receive financial support without denting your credit score with a credit enquiry.
Get a Loan, Regardless of Your Credit Score
They enable you to receive a cash injection, no matter how bad your credit score is, or how many other lenders have turned you down.
Gain Approval And Get Fast Cash
You can gain approval and receive cash fast. In some cases, the process of applying to receiving the money in your bank can take as little as 48 hours.
Minimal documentation required
There is minimal documentation required. You must be able to prove you are over 18 years of age, that you have a steady income and provide bank statements.
How do I apply for a loan with a Non-Bank Lender?
Big banks are weighed down by the cost of having a massive corporate infrastructure and multiple national branches. Non-bank lenders are more agile and we can pass on savings to borrowers with lower interest rates. Some of the most competitive interest rates on the market are offered by non-banks.
What are bad credit loans and how can I apply for one?
Do you need a second chance at finance but the banks are saying no? Bad Credit Loans offer individuals and families a chance at finance, despite an impaired credit history. Bad credit has impacted so many people this year, and we believe everyone deserves a second chance.
Get personal or business loan approval despite bad credit
If you have bad credit or thin credit, you are not alone. It is estimated that around 600,000 Australians are candidates for credit default. Defaults can happen beyond your control. When applying for car loans or a mortgage, bad credit can be a real issue, but it shouldn’t have to be. All Australians should access affordable credit.
Your Own Finance Specialist
Because we aren’t a big bank with multiple departments, we ensure that you get your own specialised consultant to help you through the process from start to finish. We look for the best bad credit (or sub-prime) loans, with the best rates, to help you get the finance you need.
How and Why Should I refinance my Home Loan?
Refinancing your mortgage comes with many benefits. These include:
Lower monthly repayments
You will most likely get a new interest rate when you refinance. This is often lower depending upon how much the new debt amounts to, who the new lender is and the repayment terms for which you choose.
Change repayment lengths
Mortgage refinance is all about finding new terms to suit you. Therefore, you can move forwards with shorter terms or instead, you could choose to pay off the new loan over a longer period of time. It’s important to remember that the shorter your repayment length, the more your repayment amounts will be each repayment period.
Consolidate debts
Refinancing provides you with the opportunity to combine multiple current debts into one new one better suited to you. You can find out more about debt consolidation here.
Better repayment structure
With mortgage refinance comes greater flexibility. So whether you would like to make weekly repayments or monthly, the control is in your hands when structuring your new loan.
Remove a person from the mortgage
If you have recently gone through a divorce and would like to remove the name of a co-signer then refinancing is a great solution.
What Is A Bad Credit Business Loan?
Yes, whether you want secured or unsecured business loan we aim to find the right fit for your needs. No matter how many debts you’re facing, if you you want to consolidate business debts, we got you covered with our tailored consolidation business loans suitable for your financial situation.
Do You Offer Credit Card Debt Consolidation?
Yes, loan consolidation is one of Australian Lending Centre’s core areas of specialty. If you have multiple credit cards with high interest debts that need to be consolidated (combined – to access easier payment schedules and possibly lower interest), we may just be the best choice for you.
Australian Lending Centre’s loans are well known for combining multiple debt into single loans. While it might feel like you are stuck in a debt rut, there is always a way out.
Do You Offer Pay Day Loans?
No, we don’t do pay day loans. Australian Lending Centre have a range of bank alternative financial products that can be catered to the financial needs for short term finance.
We understand that everybody is different and have different situations so we can help you find out the right type of loan for your particular situation. Just give us a call and we can give you a complimentary consultation or a suitable quote with the best loan options for your needs.
To find out more about the full impact of fast cash pay day loans, visit MoneySmart.
What Non-Bank Loan Options Do You Offer?
Australian Lending Centre offer personal, business and commercial finance that includes:
Personal Loans
- Large and small debt consolidation options
- Credit card consolidation loans
- Fast finance for bad credit applicants
- Low interest consolidation loans
- Quick and simple personal loans
- Car finance options
- Renovation finance
- Refinancing mortgages
- Low doc finance
- No credit check personal finance
- and much more…
Business Loans
- Low interest business loans
- Expansion finance
- Low doc business loans
- Debtor financing
- Working capital loans
- Tax debt loans
- Short term business loans
- Lease finance
- Self-employed loans
- Bad credit business loans
- Caveat loans
- And many more…
What is the current State of Credit Card Use In Australia?
Australian credit card and debit card statistics 2020:
- Average credit card purchase $101.17
- Average credit card balance $2728
- National Australian spend on credit cards each month $24,710,717,998
- Credit cards in circulation in Australia 15,443,821
- Total number of purchases: 2,985,010,219
- Total value of credit card purchases in Australia.
- Average monthly balance $3,264
Source: Graham Cooke, who heads up Finder’s consumer research team, Finder & Reserve Bank of Australia.
If you are having trouble managing your credit card debt, it’s easy to see why. Please contact us for support if you need help consolidating your credit card debt.
