Your Trusted Australian Loan Specialist

The Australian Lending Centre is a one-stop shop for all financial solutions, from debt support to bad credit loans. Regardless of your current circumstances, we are here to help.

Your 2nd Chance at Finance!

Australian Lending Centre offer reputable non-bank, alternative finance and understanding. If you have been rejected or declined by your bank for one of these forms of finance because of bad credit, contact one of our specialist lending consultants today. We look forward to giving you a fair go with personal loans and business finance, regardless of financial history. You can apply easily and quickly online. Our enquiry form takes just 30 seconds.

Types of finance we can help with

debt consolidation loan

Debt Consolidation Loan

A single loan that can turn multiple payments, fees and interest rates into one, easy monthly payment, even with an impair credit score.

Home Loans

Home Loan Refinance

With refinancing, you replace your current mortgage with a new home loan refinance loan — that means a new interest rate, new payment and new terms, all in your favour.

short term loan case study

Short-Term Personal Loan

If you in need of fast cash and banks have turned you down, a short term personal loan may be just the ticket to get you and your family through tough times.

factory icon

Business Loan

Australian Lending Centre is here to help you with your business finance. If you need help to acquire new working capital or grow your business, we can offer a range of business loans.

Discover your fresh start loan options

Personal Loan

Australian Lending Centre offers secured and unsecured personal loans to fit your specific situation, budgetary concerns and terms. Even with bad credit we aim to help your situation.

home loan

Home Loan

Australian Lending Centre offers secured and unsecured personal loans to fit your specific situation, budgetary concerns and terms. Even with bad credit we aim to help your situation.

Have a bad credit history

Bad Credit Loans

Having a poor financial record that doesn’t necessarily mean you are a bad customer. Australian Lending Centre offers specialised loans for a wider scope than the banks.

Low doc loans services

Low-Doc Loans

ALC offers low doc personal loans. These low doc loans require minimal paperwork to get approved, ideal for the self-employed individual or temporary worker.

home loan

Secured Loans

If you have equity in a property — you may be a candidate for a secured personal loan. Our secured finance products offer the best interest rates, competitive plans and flexible terms.

Factory Financing

Commercial Loans

With diverse commercial loan options for both big and small businesses, our commercial loan solutions aim to find the right product to suit your enterprise and business growth goals.

Consolidate Credit Card Debts

Credit Card Debt Consolidation

ALC offers low doc personal loans. These low doc loans require minimal paperwork to get approved, ideal for the self-employed individual or temporary worker.

business and col

Private Funding

Our primary goal is to help Aussies find the right financial solutions for non-conforming circumstances, especially those who can’t rely on banks for financial help. If banks say no, we may be able to help.

car loans and finance

Car Finance

Looking for car finance but you have a complicated financial history? This is the kind of finance that we do best here at the Australian Lending Centre.

Purchase and subdivision of land

First Home Buyers

You've managed to save your deposit, congratulations? We have first home buyer options with great rates, with wider eligibility criteria to the banks

credit score

Bad Credit Business Loan

You need to take on staff, upgrade equipment, invest in inventory or build a new website. With this type of commercial finance, we can help more Aussie businesses.

Why Choose Australian Lending Centre?

debt consolidation loans specialist

We Are Trusted Non-Bank Loan Providers

When your financial needs and circumstance are unusual or unique, you need to choose someone who can get your finance application across the line responsibly. Australian Lending Centre has helped solve a broad range of customers’ financial requirements for over 25 years. We hold a credit license in Australia: 389119 and operate to within the strict standards set by ASIC.

We are a genuine alternative to the big banks because non-bank lenders are structured differently. Our products often have lower fees on financial products compared to retail banks. This means a higher likelihood of favourable acceptance for people with complicated finances, such as self employed applicants. Our lenders have range of lending criteria that the banks can’t achieve.


Simplify Your Debts

debt consolidation loans australia

Debt collectors calling All The Time?

Our goal is to assist with managing out of personal debts. High-interest rates can make it hard to pay off your debt in the longer term. Combining these into a loan with lower interest, one set of fees and one monthly repayment is an option that can help you pay off debts more easily.

Are your Credit Cards Out of Control?

You might want to consider applying for one of ALC’s available credit card debt consolidation options. We can take all of your current card obligations and combine them into one easy-to-manage repayment with a lower interest rate and payments tailored to your income and financial obligations.

Australian Lending Centre goes above and beyond to find the right solution to match your needs and payment capacity.

Bad Credit Personal and Business Loan Specialists

bad credit loans australia

Loans With No Credit Check

Australian Lending Centre have unique options that may not have occurred to you . We have helped many families and individuals across Australia reach their financial and lifestyle goals. Australian Lending Centre offers a varied range of alternative financing options for a diverse range of borrowers.

helping Fund Australians for 25 Years

Australian Lending Centre is available across Australia: Adelaide, South Australia (SA); Brisbane, Queensland (QLD); Canberra, Australian Capital Territory (ACT); Darwin, Northern Territory (NT); Hobart, Tasmania (TAS); Melbourne, Victoria (VIC); Perth, Western Australia (WA); Sydney, New South Wales (NSW) and regional areas.

How do I apply?

apply online

1. Apply Online

Our form takes less than 30 seconds and won't impact your credit score.

loan consultant icon

2. Let's Talk Finance

Once we get your enquiry, we will call to clarify details and get to know you.

upload financial documents

3. Upload Documents

You will need to upload your documentation so we can verify your information

sign loan offer

4. Sign Loan Offer

Once your loan is approved, check and sign your loan offer.

Loan funds transferred

5. Funds Transferred

Funds can be transferred in as little as 48 -72 hours from loan approval.

Fast & Easy Financial Options

Australian Lending Centre is a respected provider of bank alternative debt relief services, easy loans with no credit check, personal loans and refinancing options. 

Australian Lending Centre FAQ's​

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.

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.

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.

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.

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.

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.

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.

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.

Warning about Pay Day Loan borrowing…

Australian Lending Centre offer personal, business and commercial finance that includes:

Personal Loans

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…

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.

Learn How To Manage Money On Our Blog

Times are really tumultuous at the moments and many people are confused about the impact of the pandemic on the economy and in tern their own personal finances. At Australian Lending Centre we are always looking for ways to answer your most pressing questions so you can make informed financial and borrowing decisions. Our blog is written by experts in their friend, on topics that matter to Australians today.