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, ring 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 Phone: 13 17 94

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