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 Human Services.
• 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.

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