This factsheet looks at some of the main types of alternative forms of credit; what types of alternate finance are available and how to access it.

Options available include alternate finance, payday loans, consumer leases and rent to buy, and microfinancing.

If you are struggling with debt or money management you can also contact your credit provider to discuss hardship options in relation to your repayments or a financial counsellor. Free telephone financial counselling services are available through the National Debt Helpline on 1800 007 007.

This resource is under review following recent changes in the law. It may not be current and accurate.