When is a personal loan better than buy now pay later?

  What would you do if you really needed to buy something but didn’t have enough money in your bank account? If Afterpay springs to mind, you’re not alone. This

Who offers the best small loans?

To answer this question, let’s start with what a small loan is defined as, and what the rules are around the amount of fees allowed to be charged. What is a

What side gigs can I do to earn extra cash?

Are you looking for ideas to help you earn some extra cash? Whether you’re trying to save some money or just want to pay off some nagging debts that won’t

If I’m financially struggling, what should I pay first? My bills or my loans?

Has a life event caused you to start struggling with your finances and you’re now wondering if you should prioritise one certain bill or loan over the others? Is this the only

Why choose a personal loan instead of a credit card?

If you are looking for a small cash loan between $500 and $10,000, you basically have two options; either choose a personal loan or opt for a credit card. At

How easy is it to do my own tax return?

If you are a salary earner in Australia and your finances aren’t extremely complicated, there is a very easy and quick way to lodge your own tax return through MyTax. MyTax

Tips to deal with the ups and downs of life

All of us hope life is filled with many “ups” such as happiness, love and financial security. Financial ups such as paying off a debt, getting a pay increase or starting a great job

5 tax tips to help in 2018

Are you getting ready to lodge your tax return this year? The majority of us probably aren’t, because it’s one of those jobs no-one really likes, even though it could

How to cope financially with some of life’s toughest events

Being faced with a very difficult and unexpected life event is something we all dread. Unfortunately such events such as losing your job, separating from your partner, financial hardship, illness

What costs more? A large personal loan or a credit card?

What costs more? A large personal loan or a credit card? To answer to this question, it comes down to a number of factors and will depend on your unique situation.

Are you eligible to apply?


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 see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.

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.