Check your options before you borrow. For information about managing your bills and debts, call 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 shows you how small amount loans work and suggests other options that may help you.