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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.

Our role is to directly connect people with the right solutions - and to facilitate the introduction of specialist financial resources.

Please feel free to contact Small Loans Australia for further information or with any queries you may have.

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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

Creating a Financial Safety Net: Insurance and Savings Tips for Young Families Creating a Financial Safety Net: Insurance and Savings Tips for Young Families
Welcome to our blog! For young families, securing your future often requires careful planning and prudent financial decisions. One of the most crucial steps you can take in this journey is creating a financial safety net. - read more
Bad Credit? No Problem! How to Get a Small Personal Loan Fast Bad Credit? No Problem! How to Get a Small Personal Loan Fast
Bad credit, often resulting from late payments, high debt levels, or other financial missteps, can feel like a major roadblock. It typically means that your credit score falls below a certain threshold and may reflect a history of financial challenges. - 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
Quick Fixes for Common Credit Score Issues in Australia Quick Fixes for Common Credit Score Issues in Australia
Credit scores play a crucial role in your financial life, influencing your ability to access loans, credit cards, and even housing rentals. In Australia, your credit score is a numerical representation of your creditworthiness, which lenders use to assess the risk of lending to you. - read more
Smart Budgeting Tips to Improve Your Financial Health Smart Budgeting Tips to Improve Your Financial Health
Smart budgeting is one of the most vital tools in maintaining and improving your financial health. It provides a clear picture of your financial situation, helping you make informed decisions about spending, saving, and borrowing. - read more
Budgeting 101: How to Get a Personal Loan Despite Bad Credit Budgeting 101: How to Get a Personal Loan Despite Bad Credit
Smart budgeting is the cornerstone of financial health. It helps you understand where your money is going and empowers you to make informed financial decisions. In Australia, like everywhere else, a well-managed budget can significantly improve your quality of life and financial stability. - read more
How to Boost Your Credit Score Before Applying for a Personal Loan How to Boost Your Credit Score Before Applying for a Personal Loan
Your credit score is a numerical representation of your financial trustworthiness. Lenders use this score to assess the risk of lending you money. - read more
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
Quick Fixes for Common Credit Score Issues in Australia Quick Fixes for Common Credit Score Issues in Australia
Credit scores play a crucial role in your financial life, influencing your ability to access loans, credit cards, and even housing rentals. In Australia, your credit score is a numerical representation of your creditworthiness, which lenders use to assess the risk of lending to you. - read more
How to Boost Your Credit Score Before Applying for a Personal Loan How to Boost Your Credit Score Before Applying for a Personal Loan
Your credit score is a numerical representation of your financial trustworthiness. Lenders use this score to assess the risk of lending you money. - read more
Creating a Financial Safety Net: Insurance and Savings Tips for Young Families Creating a Financial Safety Net: Insurance and Savings Tips for Young Families
Welcome to our blog! For young families, securing your future often requires careful planning and prudent financial decisions. One of the most crucial steps you can take in this journey is creating a financial safety net. - read more
Understanding the Key Differences Between Secured and Unsecured Loans Understanding the Key Differences Between Secured and Unsecured Loans
In simple terms, a loan is an amount of money you borrow from a lender and agree to pay back over time, often with interest. Loans come in various forms and can be tailored to suit different needs, such as buying a home, financing a car, or consolidating debt. - 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
Budgeting 101: How to Get a Personal Loan Despite Bad Credit Budgeting 101: How to Get a Personal Loan Despite Bad Credit
Smart budgeting is the cornerstone of financial health. It helps you understand where your money is going and empowers you to make informed financial decisions. In Australia, like everywhere else, a well-managed budget can significantly improve your quality of life and financial stability. - 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
Bad Credit? No Problem! How to Get a Small Personal Loan Fast Bad Credit? No Problem! How to Get a Small Personal Loan Fast
Bad credit, often resulting from late payments, high debt levels, or other financial missteps, can feel like a major roadblock. It typically means that your credit score falls below a certain threshold and may reflect a history of financial challenges. - read more
Interest Rates for Small Loans: Breaking Down the Basics Interest Rates for Small Loans: Breaking Down the Basics
Interest rates play a vital role when it comes to borrowing money. They determine how much extra you'll pay on top of the amount you've borrowed. - read more

Finance News

ASX Gains Amid Temporary Pause on Trump Tariff Policies ASX Gains Amid Temporary Pause on Trump Tariff Policies
30 May 2025: Paige Estritori

The Australian Securities Exchange (ASX) experienced an uptick on Thursday following a US court decision impacting former President Donald Trump's tariff policies. This development ignited a rally in energy and information technology sectors, resulting in the ASX 200 index climbing by 12.9 points, or 0.15%, to close at 8,409.80. Simultaneously, the All Ordinaries mirrored this performance, concluding 12.90 points higher at 8,637.80. - read more
Westpac Under Fire from Finance Sector Union Over Major Job Cuts Westpac Under Fire from Finance Sector Union Over Major Job Cuts
30 May 2025: Paige Estritori

Westpac is facing scrutiny from the Finance Sector Union (FSU) as the bank plans to cut over 1500 jobs. This potential redundancy marks Westpac's most significant in the past decade, prompting the union to seek urgent clarification. The FSU also demands a halt to the proposed cuts, highlighting lack of consultation in the decision-making process. - read more
Australians Seek Financial Guidance Amid Rising Cost Pressures Australians Seek Financial Guidance Amid Rising Cost Pressures
28 May 2025: Paige Estritori

Colonial First State (CFS) has released new findings underscoring the financial strain Australians are facing due to prolonged elevated living costs. A survey involving 2,250 respondents highlighted that many individuals are having to forsake long-term financial aspirations to address immediate financial pressures. - read more
The Australian Suburbs Offering Cheaper Mortgages Than Rent The Australian Suburbs Offering Cheaper Mortgages Than Rent
28 May 2025: Paige Estritori

New research highlights that young Australians might find it more economical to service a mortgage than pay rent in over a thousand housing and unit markets across the nation. Conducted by Ubank, the study reveals a significant disparity, as rent prices have skyrocketed 39% over five years, reaching a median of $659 weekly, compared to a median mortgage repayment of $922. - read more
Revived Interest in Financial Advising Sparks Positive Industry Shift Revived Interest in Financial Advising Sparks Positive Industry Shift
26 May 2025: Paige Estritori

The financial advising sector in Australia is experiencing a resurgence of commitment from advisers, marking a significant shift in industry culture post-Hayne Royal Commission. According to findings from Adviser Ratings, nine out of ten advisers have expressed dedication to staying in the field, a notable increase from 74 percent in 2021. This trend was highlighted during a webinar as part of the lead-up to the 2025 Financial Advice Landscape report release. - read more
Australia's Economic Challenges: Capital Shallowing and Population Growth Australia's Economic Challenges: Capital Shallowing and Population Growth
26 May 2025: Paige Estritori

Australia's economic landscape is confronting a significant challenge termed 'capital shallowing.' This occurs when the population grows at a rate surpassing that of investments in business, infrastructure, and housing, leading to reduced capital per worker and declining productivity. This phenomenon has become a central topic in discussions about Australia's sluggish economic growth over the past two decades. - read more
RBA Rate Cut Fuels Surge in Home Buyer Demand RBA Rate Cut Fuels Surge in Home Buyer Demand
26 May 2025: Paige Estritori

In the wake of the recent federal election and expectations of a monetary policy shift from the Reserve Bank of Australia (RBA), there has been a noticeable uptick in home buyer activity. This enthusiasm is evidenced by a rebound in auction clearance rates in key markets, notably Sydney and Melbourne, as well as across combined capital cities. - read more
Markets Respond Cautiously to U.S. Tax Changes Amid Mixed Global Trends Markets Respond Cautiously to U.S. Tax Changes Amid Mixed Global Trends
23 May 2025: Paige Estritori

Financial markets exhibited a measured response following the U.S. administration's introduction of new tax legislation, a development that is expected to significantly increase the national deficit. Despite initial positive momentum on Wall Street, much of the gains receded by the session's end. Similarly, European markets experienced mild selloffs, signaling uncertainty among investors. In Asia, a mixed response was seen, with Australia outperforming other regional markets, although with minor losses. - read more
RBA Rate Cut Sparks Concerns Amid Rising Housing Market Outlook RBA Rate Cut Sparks Concerns Amid Rising Housing Market Outlook
21 May 2025: Paige Estritori

The Reserve Bank of Australia's recent decision to reduce the cash rate by 25 basis points to 3.85 per cent has stirred reactions among young Australians and financial experts. The decision provides relief for current homeowners but poses challenges for first-time buyers due to anticipated housing price increases. - read more

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