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…
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Talk to your electricity, gas, phone or water provider to work out a payment plan
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If you are on government benefits, ask for an advance payment from Centrelink: http://www.humanservices.gov.au/advancepayments
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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.
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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.