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About Small Loans Australia

Small Loans Australia is a proud member of the Financial Services Online network, owned and operated by Clark Family Pty Ltd, A.C.N. 010 281 008 and we are committed to helping Australian individuals and businesses locate the best financial products, services, information and advice available via the internet.

We do not recommend any specific financial products and we do not offer any form of financial advice. All product enquiries and requests for financial or other advice on this website are referred to specialist financiers, insurers or other financial advisers (based on the specific circumstances of the applicant), with whom you can deal directly. Small Loans Australia may receive a fee or commission in consideration for the referral.

All of the financial information presented on this website, including articles and news items, are provided for general information purposes only and should not be relied on without first discussing your specific circumstances with a suitably qualified, licensed Financial Adviser.

Before any action is taken to obtain a product or service referred to by Small Loans Australia, advice should be obtained (from either the party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs.

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This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust) 43 Larch Street Tallebudgera QLD 4228, A.C.N. 010281008, Authorised Credit Representative of Saccasan Pty Ltd, Australian Credit License 386297, Authorised Financial Services Representative of Unique Group Broker Services, Australian Financial Services License 509434. Visit the ASIC website for additional licensing information.

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Personal Loans Articles

How to Create a Budget That Really Works for You How to Create a Budget That Really Works for You
Budgeting is a foundational skill in the realm of personal finance, and as crucial as setting the sails is to a captain navigating through treacherous waters. Just as steady winds propel a ship towards its destination, a well-structured budget guides individuals towards their financial goals with confidence and control. - read more
The Psychological Impact of Debt: Strategies for Stress Relief and Better Fiscal Health The Psychological Impact of Debt: Strategies for Stress Relief and Better Fiscal Health
It is no secret that the foundation of financial well-being is rooted in effective budgeting. In today's fast-paced world, where consumerism reigns, understanding how to manage one's finances has never been more crucial. Budgeting is not merely about restraining spending; it’s about creating a strategic plan that aligns with your financial goals and lifestyle. It allows individuals to gain control over their money, rather than letting their spending habits dictate their life course. - read more
Budgeting Basics: How to Create a Stress-Free Financial Plan Budgeting Basics: How to Create a Stress-Free Financial Plan
Budgeting is often seen as a restrictive practice, something that curtails fun and spontaneity. However, the truth is quite the contrary. Proper budgeting is a fundamental aspect of nurturing financial well-being. It's about understanding your income, controlling your spending, and ensuring that you prioritize saving and investing. A well-crafted budget can lead to a stress-free financial life by giving you a clear view of where your money is going and where you can potentially save. - read more
Debt Consolidation Strategies: How to Regain Control of Your Finances Debt Consolidation Strategies: How to Regain Control of Your Finances
Debt can often feel like a formidable obstacle on the path to financial stability. Many individuals battle with various forms of debt, from high-interest credit cards to significant loans that seem to have an unyielding grip on their financial lives. Recognizing the challenges that debt presents is the critical first step towards regaining control of your personal finances. - read more
The Smart Borrower's Guide: Understanding Interest Rates on Small Loans The Smart Borrower's Guide: Understanding Interest Rates on Small Loans
When it comes to borrowing money, whether it's for personal use or for your small business, understanding interest rates is paramount. An interest rate, simply put, is the cost you pay to borrow money. It's typically expressed as a percentage of the principal amount you're loaned. This fee is how lenders earn on the funds they lend and is a key component you should consider before signing a loan agreement. - read more
Secured Versus Unsecured: Which Loan Option Aligns with Your Financial Goals? Secured Versus Unsecured: Which Loan Option Aligns with Your Financial Goals?
The landscape of personal financing is broad and varied, particularly in the Australian market where individuals have access to an array of loan options. When considering lending, the fundamental distinction to comprehend is that between 'secured' and 'unsecured' loans. - read more
Bad Credit? Here's How You Can Still Get a Competitive Personal Loan Bad Credit? Here's How You Can Still Get a Competitive Personal Loan
In the landscape of modern finance, credit scores can often feel like gatekeepers to our goals, barring or granting access to essential funding when we need it most. The truth is, debt is as common as it is complex, threading through the lives of many with silent tenacity. Understanding its prevalence is the first step in navigating the choppy financial waters it can create. - read more
Taking Control: Steps to Improve Your Credit and Secure the Loan You Need Taking Control: Steps to Improve Your Credit and Secure the Loan You Need
Your credit score is much more than just a number; it's a reflection of your financial history and a determining factor in securing future loans. Understanding how bad credit can affect your loan applications is crucial in today's financial landscape. Bad credit can lead to frustration and disappointment when looking for a competitive loan offer, but don't lose heart—there are actionable steps you can take to improve your situation. - read more
Personal Loan Pitfalls: How to Avoid Common Mistakes in Loan Comparisons Personal Loan Pitfalls: How to Avoid Common Mistakes in Loan Comparisons
When considering personal finance in Australia, personal loans are a handy resource for achieving various financial goals, from consolidating debt to funding a major purchase. Yet, it's essential to approach this financial tool with caution and understanding. Proper comparison of personal loans can be the difference between a financial stepping stone and a stumbling block. - read more
Bad Credit? Here's How You Can Still Get a Competitive Personal Loan Bad Credit? Here's How You Can Still Get a Competitive Personal Loan
In the landscape of modern finance, credit scores can often feel like gatekeepers to our goals, barring or granting access to essential funding when we need it most. The truth is, debt is as common as it is complex, threading through the lives of many with silent tenacity. Understanding its prevalence is the first step in navigating the choppy financial waters it can create. - read more
Secured Versus Unsecured: Which Loan Option Aligns with Your Financial Goals? Secured Versus Unsecured: Which Loan Option Aligns with Your Financial Goals?
The landscape of personal financing is broad and varied, particularly in the Australian market where individuals have access to an array of loan options. When considering lending, the fundamental distinction to comprehend is that between 'secured' and 'unsecured' loans. - read more
Taking Control: Steps to Improve Your Credit and Secure the Loan You Need Taking Control: Steps to Improve Your Credit and Secure the Loan You Need
Your credit score is much more than just a number; it's a reflection of your financial history and a determining factor in securing future loans. Understanding how bad credit can affect your loan applications is crucial in today's financial landscape. Bad credit can lead to frustration and disappointment when looking for a competitive loan offer, but don't lose heart—there are actionable steps you can take to improve your situation. - read more
The Smart Borrower's Guide: Understanding Interest Rates on Small Loans The Smart Borrower's Guide: Understanding Interest Rates on Small Loans
When it comes to borrowing money, whether it's for personal use or for your small business, understanding interest rates is paramount. An interest rate, simply put, is the cost you pay to borrow money. It's typically expressed as a percentage of the principal amount you're loaned. This fee is how lenders earn on the funds they lend and is a key component you should consider before signing a loan agreement. - read more

Finance News

NAB Offers a Glimmer of Hope with Fresh Interest Rate Cut NAB Offers a Glimmer of Hope with Fresh Interest Rate Cut
23 Jul 2024: Paige Estritori

Australian home seekers facing stiff challenges may find a bit of relief from an unexpected source: NAB, one of the country's financial giants. The bank has recently slashed its three-year fixed home loan interest rate by a notable 0.6%, bringing it down to 5.99%. - read more
Australian Markets React to Employment Data: Shares Narrowly Lower Australian Markets React to Employment Data: Shares Narrowly Lower
20 Jul 2024: Paige Estritori

The Australian sharemarket experienced a modest pullback on Thursday, ending a day of fluctuations just shy of its recent peak. A day following the celebration of a fresh 52-week high, the market's mood shifted. - read more
ANZ Prepares to Finalize $4.9B Suncorp Acquisition ANZ Prepares to Finalize $4.9B Suncorp Acquisition
18 Jul 2024: Paige Estritori

ANZ is poised to officially acquire Suncorp's banking sector on August 1, following recent modifications to Queensland's legislative framework essential for the $4.9 billion transaction. - read more
Housing Crisis in Australia: Deeper Trouble Ahead Housing Crisis in Australia: Deeper Trouble Ahead
16 Jul 2024: Paige Estritori

Australia is grappling with an increasingly severe housing crisis as rising interest rates and skyrocketing construction costs stifle the supply of new homes. Experts fear that the national goal of constructing 1.2 million new homes over the next five years will remain out of reach. - read more
Australian Households Face Toughest Economic Times Since '90s Australian Households Face Toughest Economic Times Since '90s
15 Jul 2024: Paige Estritori

As Australia's economic climate continues to worsen, households are encountering unprecedented financial challenges, marking the gravest consumer recession since the early 1990s, excluding the impacts of recent pandemic-related downturns. - read more
Banks Set for Major Refunds to Assist Struggling Customers Banks Set for Major Refunds to Assist Struggling Customers
15 Jul 2024: Paige Estritori

In a groundbreaking move, four prominent Australian banks are poised to return nearly $30 million to their low-income customers. This significant refund follows an in-depth review by the Australian Securities and Investments Commission (ASIC). - read more
Financial Adviser Head Count Sees Marginal Gains Financial Adviser Head Count Sees Marginal Gains
13 Jul 2024: Paige Estritori

The landscape of financial advisers in Australia continues to be dynamic with numbers showcasing a slight growth after a period of declines. In the latest analysis by WealthData, Australia faced a modest net increase of 39 financial advisers this week, coming off the Financial Adviser Register (FAR). - read more
Aussie Incomes Take a Nosedive Amid Global Struggles Aussie Incomes Take a Nosedive Amid Global Struggles
11 Jul 2024: Paige Estritori

In an unsettling turn of events, Australian households have experienced one of the most dramatic drop-offs in real per capita household disposable incomes globally. - read more
Potential Perils of Stage 3 Tax Cuts Unveiled Potential Perils of Stage 3 Tax Cuts Unveiled
11 Jul 2024: Paige Estritori

As Australians anticipate padded pocketbooks from Stage 3 tax cuts, emerging concerns involve the risk of increased inflation that could pressure mortgage holders with steeper interest rates, posits an economist. - read more

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Knowledgebase
Debt Consolidation:
A means empoyed to renegotiate debt. By combining loans and outstanding bills, a person can consolidate debt with a single financial institution resulting in a single monthly repayment.


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