Check your options before you borrow

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.

You can also talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.

If you're on Government benefits, ask if you can receive an advance from Centrelink. You can contact them by calling 13 17 94.

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.