WARNING - Do you really need a loan today?

• This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
• It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
  Check your options before borrowing:
  • 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.
  • Talk to your electricty, 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: http://www.humanservices.gov.au/advancepayments
  • The government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.