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…

Talk to your electricity, gas, phone or water provider to work out a payment plan

If you are on government benefits, ask for an advance payment from Centrelink: http://www.humanservices.gov.au/advancepayments

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.

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.

I’m an Australian citizen or permanent resident

I’m employed and I’m paid $900 or more a week into my bank account

I’m NOT in bankruptcy or part 9 agreement

I’m NOT ‘only’ on Centrelink benefits or a Pension

I do NOT have too many payday loans

I do NOT have any missed payments or overdrawn account