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Privacy Policy / TLC Pty Ltd. | ACN 623 119 219 Authorised under Australian Credit License number 509691 | © 2026 All rights reserved.

Payment plans provided by Total Lifestyle Credit Pty Ltd, Australian Credit licence 509691 (TLC). For approved customers only. Terms, conditions, fees and charges apply. For a payment plan with TLC, interest rates differ depending on a number of factors, including the information you provide TLC and their assessment of your application.

Payment terms range from 24 to 84 months. All applications are subject to TLC lending and approval criteria. Speak to TLC direct for a quote based on your personal circumstances and for the full terms and conditions. A full credit and financial assessment would need to be completed prior to acceptance of any offer or product.

WARNING: The comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: For a payment plan for $30,000 over 60 months with the minimum interest rate of 6.99% p.a. (8.25% p.a. comparison rate), the total amount payable would be $36,711 (including a $250 establishment fee and a $13 per month service fee). WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

It's as easy as
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Welcome to TLC!

Total Lifestyle Credit specialises in personal loans tailored to your unique needs, offering payment plan solutions for medical, dental, lifestyle, and wedding expenses. With loan amounts ranging from $2,001 to $70,000 TLC ensures you receive the financial support you need.

Our easy, online application process and transparent terms provide a personalised, stress-free service. Whether you are undergoing a medical procedure, planning a wedding or pursuing lifestyle enhancements, TLC is committed to making the borrowing experience seamless and straightforward. Trust TLC for competitive rates, flexible repayment options, and exceptional customer service, ensuring your financial peace of mind.

Treat yourself to some TLC and let us take care of the rest!

Medical
  • Bariatric Surgery
  • Cosmetic Treatment
  • Ent Surgery
  • Eye Surgery
  • Apply Now
Dental
  • Cosmetic Dental
  • Dental Implant
  • Endodontic Fees
  • Dental
  • Apply Now
Lifestyle
  • Art And Sculpture
  • Debt Consolidation
  • Education
  • Garages
  • Apply Now
Vehicle
  • Car Repair And Upgrade
  • Dealer Purchase
  • Motorcycle
  • Private Purchase
  • Apply Now
Wedding
  • Engagement Ring
  • General Wedding Costs
  • Honeymoon
  • Jewellery
  • Apply Now
Veterinary
  • Pet Products
  • Pet Purchase
  • Pet Vacation
  • Vet Care Expenses
  • Apply Now

The right decision

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We've been in business for over 22 years, and have helped over 66,794 Australians with their loan applications.

Loved by people like you.

Our service is so simple that people can’t help but fall in love with it. Simplicity is easy when you just skip tons of mission-critical features.

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