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 advice, as well as emergency relief, and access to no- and low-interest loans.


Emergency Relief

If you’re on a low income, managing your daily expenses can be tough. Our Emergency Relief 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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Dental NILS Pilot

This pilot program is being trialled until the end of 2017. If you have a gross annual income of $45,000 or less, or receive a Centrelink pension, benefit or health care card, you may be eligible for a loan to assist with dental fees.

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NILS loans for your education

You may be eligible for support to pay your education expenses.

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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 between $800 and $3,000, that you can repay over three years.

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Utilities Literacy Program

Understanding and managing your electricity, gas and water bills can be a difficult and confusing process.

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Low Income Support Program

We can provide advice to local agencies who support members of the community who are disadvantaged or on low incomes.

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