WARNING: Do you really need a loan today?
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems
Check your options before you borrow…
![Spondooli Favicon Aqua4 Spondooli Favicon Aqua4](https://www.spondooli.com.au/wp-content/uploads/2018/03/Spondooli-Favicon-Aqua4-32x32.png)
Talk to your electricity, gas, phone or water provider to work out a payment plan
![Spondooli Favicon Aqua4 Spondooli Favicon Aqua4](https://www.spondooli.com.au/wp-content/uploads/2018/03/Spondooli-Favicon-Aqua4-32x32.png)
If you are on government benefits, ask for an advance payment from Centrelink: http://www.humanservices.gov.au/advancepayments
![Spondooli Favicon Aqua4 Spondooli Favicon Aqua4](https://www.spondooli.com.au/wp-content/uploads/2018/03/Spondooli-Favicon-Aqua4-32x32.png)
For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
![Spondooli Favicon Aqua4 Spondooli Favicon Aqua4](https://www.spondooli.com.au/wp-content/uploads/2018/03/Spondooli-Favicon-Aqua4-32x32.png)
The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
Are you eligible to apply?
![Spondooli-Favicon-right-Aqua Spondooli-Favicon-right-Aqua](https://www.spondooli.com.au/wp-content/uploads/2018/04/Spondooli-Favicon-right-Aqua-32x32.png)
I’m an Australian citizen or permanent resident
![Spondooli-Favicon-right-Aqua Spondooli-Favicon-right-Aqua](https://www.spondooli.com.au/wp-content/uploads/2018/04/Spondooli-Favicon-right-Aqua-32x32.png)
I’m employed and I’m paid $900 or more a week into my bank account
![Spondooli-Favicon-right-Aqua Spondooli-Favicon-right-Aqua](https://www.spondooli.com.au/wp-content/uploads/2018/04/Spondooli-Favicon-right-Aqua-32x32.png)
I’m NOT in bankruptcy or part 9 agreement
![Spondooli-Favicon-right-Aqua Spondooli-Favicon-right-Aqua](https://www.spondooli.com.au/wp-content/uploads/2018/04/Spondooli-Favicon-right-Aqua-32x32.png)
I’m NOT ‘only’ on Centrelink benefits or a Pension
![Spondooli-Favicon-right-Aqua Spondooli-Favicon-right-Aqua](https://www.spondooli.com.au/wp-content/uploads/2018/04/Spondooli-Favicon-right-Aqua-32x32.png)
I do NOT have too many payday loans
![Spondooli-Favicon-right-Aqua Spondooli-Favicon-right-Aqua](https://www.spondooli.com.au/wp-content/uploads/2018/04/Spondooli-Favicon-right-Aqua-32x32.png)