Centerlink Loans within 60 minutes

Cash Loans From $200 to $2,000

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beach_access Australian Resident or Working Visa
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These are loans for people earning some, most or all of their income from Centrelink Benefits.  They can also be known as Pensioner Loans, Disability Income Loans, Carer Loans, JobSeeker Loans, fast cash loans for Centrelink.  A Centrelink Loan is just a loan tool that can be used by people using Centrelink resources.

If you do receive Centrelink benefits, you should also check your ability to qualify for a Centrelink Advance Loan or other government Centrelink support before applying for one of our loans.

At Cash Direct, we keep it simple to get you cash faster

We get you set up as a new Cash Direct member with a 100% online application process, and a short onboarding call.  Once you’re a member you’re in the Express Lane, just login and apply for your next loan 24×7 in minutes.

We make our smaller Centrelink loan repayments affordable, so you can pay your small loan down  within 2-6 months.

With our 100% online loan process, we get you money fast when you need it.  With some customers we can transfer the money to your bank account in 60 seconds.

Loans for People on Centrelink Benefits

We have tailored loans for people on Centrelink.  We can offer loans from $200 to $2,000 for people on Centrelink Family Tax A and B, Jobseeker support, Carers income, Disability income, Youth Allowance and more.

We can approve loans based on the income benefits you receive, and always check Centrelink Support options before taking a loan, and to improve your personal month to month budget.

Loan Repayments for People on Centrelink?

With our loans, we make sure you have affordable repayments.  We are Responsible Lenders, and we want you to be a responsible borrower.   

Unlike typical payday loans that require a short repayment period, with larger repayments, we make your loan term longer, up to 6 months.  But we want you to close out your loan sooner, so you can get back to a normal budget.

Making loan is affordable if you’re on Centrelink benefits

If more than 50% of your income is from Centrelink benefits, we’ll make sure your loan repayments are not greater then 20% (1/5) of your Centrelink income.  This helps make sure your repayments are manageable.

You can pay your loan out any time and you will save on monthly fees, and we will not charge extra.  If you miss a payment you will be charged a missed payment fee.

Borrow just what you need, to keep it affordable within your Centrelink benefit

With Cash Direct, we welcome our customers to make a new loan if in need.  You can rely on us, so just borrow what you need. Don’t overextend yourself because you’re not sure if you can get cash funds later.  It’s simple, just log in to your Cash Direct account, and request a new loan. If you have good repayment history with us, there will never be a problem.  We can be your reserve for a rainy day – particularly if you don’t have a credit card or overdraft facility.

Our Centrelink Loans

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Age Pension Loan

JobSeeker Loan

Family Loan

Single Mother Loan

Disability Loan

Study Loans

Youth Allowance Loan

Carer Pension Loan

Loans for Unemployed

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Centrelink Loans FAQ

What is the maximum loan repayment for a Centrelink loan?

You can only borrow an amount that has loan repayments that are less than 20% (1/5) of your total Centrelink income.  The amount of your loan ($200-$2,000) and term of your loan (1-6 months) will affect your repayment amount.

Can I apply for a loan if all my income is from Centrelink Benefits?

Yes of course you can. We will help you find a loan amount and loan term that will suit you and make your repayments affordable.

How do repayments work from my Centrelink benefits?

We can’t take your loan repayments directly from Centrelink pay directly. We will deduct the loan repayments from your bank account that your Centrelink payments are received into.

How much will the loan cost?

We charge on a simple basis against the value of your loan.  20% establishment fee and 4% per month loan maintenance fee. If you pay your loan early you will not pay the remaining loan maintenance fee. You will also never be charged an early repayment fee.  If you miss a payment without informing us, there is a late payment fee of $40.

Example, you borrow $500 for 4 months.  Your establishment fee will be $100 and your loan maintenance fees will be $20 per month.

What if I can’t make my next repayment?

Make sure you contact us straight away.  It’s important you maintain a good repayment record with us to help your trust rating for future loans.  It is also expensive if you miss a payment as there is a missed payment fee of $40.

If you get in touch with us beforehand, we can help make adjustments to avoid the missed payment fee.

Do you accept all Centrelink benefits to qualify for a loan?

Yes, we can work with all the benefits.  If you have lower income from say JobSeeker or Youth Allowance, we may suggest a smaller loan to suit that income level. We will also factor in support you may have from shared accommodation or living with your parents.  

If you have larger regular Centrelink benefits from say Family Tax A&B, Carers allowance, Pension, we may be able offer you a larger loan of $1,000 to $2,000 depending on your budget circumstances.

We just need to confirm your regular income can support a loan and your reasonable budget.  We will confirm this with asking for evidence in the form of your Centrelink Income Statement and a 90-day bank statement.

How do people on Centrelink benefits apply for a cash loan?

If you are on Centrelink benefits, providing a consistent income, you can qualify for a Cash Direct loan by completing our easy application online, found here.  Provide your personal details, income and expenses, how much you need to borrow and how long you’d like to repay the loan. Leave the rest to us.

What are loans for people on Centrelink used for?

We have provided loans for people on Centrelink and lower incomes for over 10 years.  We find they are needed when the unexpected occurs, or there is just a need to do something or buy something.  Typical needs seem to be:

  • Paying for sudden expenses or a build-up of bills
  • Getting a car fixed or repaired
  • Paying for urgent travel or a holiday
  • Taking care of back to school fees and expenses, or childcare
  • Dental or medical needs not covered by Medicare
  • Paying a vet bill for the family dog, cat or guinea pig!
  • Buying a whitegood item, like fridge or washing machine, when the old one breaks down.