Do you really need a loan today?*

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 — phone 13 17 94

The Government's MoneySmart website (moneysmart.gov.au) 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.

From us: we mean it. A CashLift loan suits a one-off, short-term need with a repayment that fits your budget. If you're already juggling debts, borrowing more usually makes it worse — the counsellors on 1800 007 007 are free, independent and genuinely helpful. Our own hardship pathway is there if your circumstances change mid-loan.