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Centrelink Advance Payment

Should I get a Centrelink Advance Payment instead of a loan? Yes. If you don’t already have an Advance Payment from Centrelink, and qualify, this is a superior option as it is a nil cost loan. If you use a lender such as Cash Direct, you will have loan costs such as loan fees or interest expense. So the Advance Payment from Centrelink is a useful personal budget tool to use if you qualify.

If you already have an Advance Payment from Centrelink or need some extra funds, a small loan from Cash Direct can be helpful if your budget can support the extra loan. If you earn > 50% of your income from Centrelink benefits, we will ensure your total loan payments do not exceed 10% of your income.

To apply for a Cash Direct loan, click here.

How to Apply for an Advance Payment?

You should already have a Centrelink online account linked to your myGov. From here, it’s a pretty simple process:

  1. Sign into your myGov account online

  2. Select Payments and Claims

  3. Select Manage Advance Payments, from the Manage Payments option

  4. Select Apply for an Advance Payment

  5. If you are eligible, you can then select Get Started and follow the prompts

Click here Advance Payment Demonstration Video for an Explanation Video on the full process, produced by Services Australia.

If you do still need extra funds, and require a small cash loan, you can apply for a Cash Direct loan, by clicking here.

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