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Responsible Lending in Australia: What Lenders Are Required to Do

Applying for credit can involve more than entering your personal details and waiting for a decision. You may be asked about your income, expenses, existing debts and why you want to borrow. You may also need to provide documents or access to financial information that helps confirm what you have told the provider.

Your Rights as a Borrower in Australia: A Consumer Guide

Borrowing money can feel complicated, especially when you are presented with unfamiliar fees, repayment conditions and legal terminology. However, Australian consumers have important protections when dealing with many lenders and credit providers. These protections are intended to help you understand what you are agreeing to, receive fair treatment and ask for assistance when repayments become difficult.

How ASIC Regulates Short-Term Lenders in Australia

Short-term credit can take several forms in Australia, including payday loans, wage advance services and other products designed to be repaid over a relatively short period. But are all short-term credit providers regulated in the same way?

Need Money Fast? 5 Options That Are Better Than a Payday Loan