Managing daily expenses can be tough, and credit card debt, mortgages and bills can all add to financial stress.

We offer free, independent and confidential financial counselling and budget support, home energy assessments and information sessions on managing your utilities, as well as well as emergency relief, and access to no- and low-interest loans.

Information about the support we can offer through COVID-19 is available here.

Emergency Assistance

If you’re on a low income, managing your daily expenses can be tough. Our Emergency Assistance service provides emergency support if you are struggling.

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Financial counselling & support

Managing your financial affairs can be confusing, especially if credit card debt, mortgages and bills are adding pressure.

Our services are free, independent and confidential. Our financial counsellors are non-judgmental, qualified and experienced professionals who can provide information, support and advocacy to people in financial difficulty.

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No Interest Loans Scheme (NILS®)

If you are living on a low income, it can be hard to purchase important household items.

The No Interest Loans Scheme can help, with interest- and fee-free loans for individuals, families or couples. This community-based initiative helps people to access fair, safe and affordable credit to buy essential goods and services.

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StepUP low-interest loans

If you need a loan but are unable to get one from the bank, a StepUP loan may suit you. These are safe, fee-free, low-interest loans of 5.99% between $800 and $3,000, that you can repay over three years.

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Budgeting support

Our budgeting support program is designed to help you manage money, increase your skills and confidence when dealing with finances, and help you get back on your feet.

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Group financial information sessions

We can provide advice and group information sessions to people who are disadvantaged or on low incomes.

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The ConnectEd program aims to help people understand their energy and water bills, save money on household usage, find a better deal and get assistance if they are struggling to pay their utility bills.

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