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

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:

For more 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.

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

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

The Australian 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.