Centerlink Loans within 60 minutes

Cash Loans From $200 to $2,000

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How does Centrelink Work?

Centrelink is part of the Australian Government department of Human Services that was created in 2004. They offer a range of benefits through health, social and welfare payments and services. As of 2018 there were 3.3 million people on Centrelink benefits.

The objective is to create a safety net for people who may have greater disadvantages than others, or just can’t find regular employment income like most Australians. It is funded out of taxes paid by workers and businesses, and other sources.

How do I apply for Centrelink and JobSeeker?

The best way to apply and claim is online – Apply for Centrelink Here

You will need a MyGov Account linked to Centrelink.  If you don’t have these, no problem it’s quick to set up – Click here to set up myGov and Centrelink accounts

You will need to link these accounts with a Customer Reference Number to link your Centrelink Account with your myGov account.
You will also need to Confirm your identity –
• One Commencement Document (birth certificate or Australian arrival validation
• One Primary ID used in the community
• One Secondary document to show the use of your identity in the community.
At least one of these must have a photo on it, and all must show the same name.

You can track your Centrelink claim.  Once your claim is submitted online, you will get a receipt – with the ID number of your claim, the date of estimated completion, a link to track progress.  You can track the claim with by signing into your myGov or Centrelink Mobile App

Do I qualify for Centrelink JobSeeker?

Centrelink is very clear about qualifying for JobSeeker – see who can get it

Centrelink considers two main things:

If they consider you unemployed and you’re looking for work
If you’re sick or injured and can’t do your usual work or study

Current COVID-19 Support from April 2020

Right now in the COVID-19 circumstances, there is Expanded Eligibility for JobSeeker payments and an express application and claiming process.

If you are a casual or full-time worker, or sole trader, who has lost income related to COVID-19, you are likely eligible for the new Government JobSeeker payment support.
There is good news.  The Government is behind you with a generous fortnightly payment of at least $1,100.  You will be back paid from your qualified application date, so get on to it quickly.  You can also qualify for the March 31 $750 Economic Support Payment

Important timing:
• New eligibility will last at this stage until April 27, 2020
• The new Coronavirus Supplement Payment will begin from April 27, 2020

The JobSeeker payment is financial help if you’re between 22 and Age Pension Age and looking for work.  It’s also for when you’re sick or injured and can’t do your usual work.
During the COVID-19 crisis, the Government has made it available to people who have been financially impacted, lost hours and income due to the COVID-19 situation.
For example, if you are in hard-hit sectors like the travel and hospitality industry, you have lost your job or as a casual worker or sole trader who has lost 20% more of your income, you will qualify for at least 6 months of the JobSeeker payments.
If you are a single parent you may be eligible for the Parenting Payment which is a slightly higher fortnightly payment, with a maximum of $790.10, plus the $550 supplement.

How do I apply for other Centrelink Benefits

To find out if you are eligible for other Centrelink payments you can use their payment search and finder tool. List of main types of Centrelink payment types and link to our specific pages.
They deliver payments and services at times of major change for all these groups:

Job Seekers 
Students and Trainees 
People with disability 
• Indigenous Australians, and
• people from culturally and linguistically diverse backgrounds.
They can also offer child support for separated parents.

What is a Centrelink Loan?

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 would like more information about our Centrelink loans then click here

Our Centrelink Loans

Apply Now
Age Pension Loan
JobSeeker Loan
Family Loan
Single Mother Loan
Disability Loan
Study Loans
Youth Allowance Loan
Carer Pension Loan
Loans for Unemployed

All Set? Get Started With Your Application


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 Newstart 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.