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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 counsellor
• Talk to your electricity, gas, phone or water provider to work out a payment plan
• If you are on government benefits, ask for an advance payment from Centrelink: 13 17 94

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