HORIZON Credit Union is gearing up for another successful year despite the economic climate after winning two industry awards over summer.

LACK of credit is stifling Australia's small and medium-sized businesses, preventing many from expanding or investing in new projects.

THE housing market begins the new year about $1 trillion in debt, but the more pressing issue for 2009 will be whether homebuyers and businesses commit to taking on new loans.

If you have been putting off your home renovations, a personal loan can help you get started. Learn more about Aussie personal loans.

Credit loans have lowered costs at the moment due to a drop in interest rates.