WARNING: Do you really need a loan today?

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 information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counselor.
• - 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. www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.