Warning about borrowing

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 counsellor.
• 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.servicesaustralia.gov.au/advance-payment

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.

You should always compare your options before taking out a short-term loan. These loans offer different interest rates and terms. The Government's MoneySmart website has useful advice. There are sometimes other ways to pay your bills, such as asking your suppliers for more time to pay.

You must be an Australian resident and over 18 to apply. Completing the application form does not guarantee a loan. Loan amounts, terms and approval times vary by lender. Techno Loans does not endorse any particular product. Information on this website is general only and does not take into account your needs or financial circumstances.

We don't check your credit file. Lenders that receive your application may check it with credit reporting bodies such as illion, Experian and Equifax, and other sources. If you don't repay a loan on time, your lender may report this, which could affect your credit rating. We can't guarantee your application will be passed to a lender or approved. These loans are expensive and are meant for short-term needs, not as a long-term solution. If you are having serious money problems, talk to a free financial counsellor on 1800 007 007.