Centrelink Loans
On Centrelink benefits? Secure a loan in 3 simple steps!
- Centrelink loans up to $5,000
- Fast Online Application & approval
- Flexible repayment options
- If approved – receive funds the same day!
Many of our customers receive payments from Centrelink. People choose City Finance because we are experienced in tailoring loans for those who receive some, or all of their income from Centrelink. Common Centrelink payments that our customers receive include:
- Age Pensions
- Parenting Payments
- Disability Support Pensions
- Carer Pensions
- Job Seeker
Regardless of the situation, it seems unfair to us that most banks and many other lenders will reject loan applications from people receiving Centrelink payments. For that reason, we’re offering loans to people specifically on Centrelink benefits. We offer loans across Australia – including Brisbane, Sydney, Melbourne, Perth and Adelaide.
Applying for a Centrelink loan is a breeze. In fact, it’s as easy as 1, 2, 3, as you can see below.
ONLINE APPLICATION
To apply for a loan with City Finance, simply fill in our online application form here. It’s quick and easy, you’ll just need to select how much you’d like to borrow, your preferred repayment term, provide some personal details, and verify your identity.
CONFIRMATION
Most customers receive a response within a couple of business hours of applying. In some cases, our team may get in touch to request additional information to finalise your loan.
FUNDING
Once your loan is approved and the contract is signed, most customers receive their funds within minutes, so you can get on with what matters sooner. Repayments will be made weekly, fortnightly or monthly, depending on your selected plan.
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CENTRELINK LOANS
What Are Centrelink Loans?
Centrelink loans are loans that are available to customers that are on Centrelink benefits. They are often otherwise known a Pensioner Loans, Disability Income Loans, Carer Loans, JobSeeker Loans and fast cash loans for people on Centrelink.
If you’re in need of some quick money and you’re on Centrelink, then you’ve come to the right place. Here – unlike many traditional financial institutions – we don’t discriminate against those who can’t show proof of work.
In fact, these loans are designed specifically for people who aren’t working and are on Centrelink benefits. We offer loans ranging between $500 and $5000 for those already on Centrelink.
However, please keep in mind that it’s your responsibility to ensure that the amount of money you receive won’t affect your benefits. Get more information on our loans for people who are unemployed.
Am I Eligible for a Centrelink Loan?
As long as you are receiving some form of consistent Centrelink payments and you have proof of this payment then you certainly are eligible for a Centrelink loan. If you’re unsure of your eligibility please feel free to reach out to our customer service here.
What Supporting Documents and Information Do We Need to Process Your Centrelink Loan Application?
At City Finance, the process of applying for an emergency loan is simple. We don’t need a bunch of different documents, all we require is the following:
Some ID document details (such as a medicare card number)
A short application form with details such as your address and phone number
90-day history of bank transactions
Proof of your income (either wages or Centrelink benefits)
How City Finance Can Help Customers Receiving Centrelink Benefits
We do things quickly
The process of getting a loan at City Finance is very fast. After you’ve submitted your application online, one of our friendly staff members will get in touch and as soon as you receive approval, you’ll get a same day cash deposit into your bank account.
Our team is very experienced in the field of giving Centrelink loans, so the process is easy, quick and hassle-free. Our extensive experience also means that we can make quick decisions, so you’ll get your money faster. Read more about our same day loans.
We believe in all-inclusive lending
At City Finance we don’t discriminate if you fall into a category that other financial institutes may consider risky to lend to. Whether you’re on Centrelink, have a bad credit rating or low income – we can still lend to you. Read more about our bad credit loans here.
Even people who are self employed may have a very hard time securing a loan at other financial institutions, often they’ll need years of paperwork to prove they earn a stable income. But, don’t worry If this is the case for you – we can help.
Our team analyses each loan application separately and will take your personal circumstances into consideration when approving a loan. As long as you are 21 or over, are able to provide 100 points of identity and have total income of at least $1,000 a month, we can discuss your loan options with you.
We’re flexible with repayments
We understand that sometimes life happens, and you may be unable to make a repayment on a personal loan on the due date. If this happens to you, our friendly staff can chat with you to make alternate options, usually without any extra fee.
We also strive to be completely transparent with all of our fees and charges, so you shouldn’t receive any nasty, unexpected surprises! We don’t charge any fees if you choose to make early, or extra, repayments.
Vet bills
For most people, their pet is a member of their family. So when he or she gets sick, it’s imperative that they’re taken to the vet to sort out the problem. Vet bills can be very costly and need to be paid before your pet’s condition deteriorates. If you don’t have the money on hand we can sort out a quick, small cash loan for you and your pet. Learn more about our loans for vet bills.
Home renovations
Home renovations can add significant value to your house, but how can you add the value if you don’t have the money for home renos in the first place? Easy! Contact us for a loan and get your tools ready to go. Learn more about our home renovation loans.
Travel loans
Thanks to a certain pandemic, our travel options are limited at the moment. However, we’re still allowed to travel locally (sometimes!). If you need a break and are dying for a holiday but don’t have enough savings then we can help. Learn more about our travel loans.
Dental costs
Smashed your front tooth? Painful root canal? Wisdom teeth coming through? An appointment at the dentist certainly costs a pretty penny, a situation that you may not have enough money on hand. Contact us for a loan and we’ll get you smiling again.
We’re a trusted company
We have been lending money to Australians for over 30 years. We are a regulated lender and are highly respected in our industry. We lend to hundreds of customers that are receiving payments from Centrelink every month. When borrowing from City Finance you can feel comfortable that you are partnering with a trustworthy company.
When you take out a loan with us for the first time, you will talk to one of our friendly lending agents who will take the time to understand your personal situation so that they can provide a loan that meets your needs.
Things are streamlined and simple
With our Centrelink loans, you won’t need to worry about the hassle of paying a bill every week, or every month. Over the years we’ve put together a very straightforward repayment program where the money will be automatically deducted from your nominated bank account on each repayment day.
We’re here to help
If you find yourself in a situation where you urgently need funds, we can help. Our application process is quick and easy and our approval process is too. Often, we can have money in your bank account the same day that you apply.
What Can I Use a Centrelink Loan For?
A Centrelink loan can be used for basically anything, but here are some examples of why you may need one.
Car Repairs
Even if you’re regularly maintaining your car, problems can happen. The cost of car parts and mechanics normally runs quite high. If you don’t have a pool of money available to cover the costs and get yourself back on the road in the case of a breakdown, contact us for a car repair loan.
Medical expenses
Even with the great healthcare system that Australia has, there can still be a lot of out-of-pocket expenses that may arise. Think: a deductible for a chiropractor, medications or an ambulance. If you need medical attention and don’t have enough money available, then we can help. Learn more about our loans for medical expenses.
Rental bond
A bond is a huge cost – it’s usually in the thousands of dollars – and can be a frustrating expense on top of all the other expenses moving house costs. Rather than paying it in a lump sum, you could contact us for a small cash loan to cover the rental bond and pay a small amount out of your weekly pay packet at a rate you are more comfortable with. Learn more about our loans for rental bonds.
Furniture or white goods
If you’ve ever looked up rental white goods and furniture you’ll know that they are both extremely expensive. If you can’t afford these things upfront, rather than renting the goods and essentially throwing the money away, you can take a loan with us and own the furniture and white goods. Learn more about our furniture loans.
Unexpected emergency
Unexpected emergencies can arise at any time and you may not have the cash to cover them. At City Finance we understand the urgency of unexpected costs. So, we specialise in getting cash to our customers as quickly as possible so that they can take care of any emergency costs they require. Learn more about our emergency loans.
Bridge the Gap with Loans for Centrelink Recipients
Living on Centrelink payments can be a juggling act when unexpected bills pop up or your benefits alone don’t stretch to cover all costs. That’s where City Finance’s Centrelink loans step in.
Our loans for people on Centrelink are designed to complement your regular payments, whether you’re on JobSeeker, Parenting Payment, Disability Support Pension, or Age Pension, so you don’t have to sacrifice essentials when an emergency strikes. Unlike mainstream lenders, we assess your current income and repayment capacity, not just your employment status. That means you can access loans whilst on Centrelink benefits, even if you’ve been turned away elsewhere.
Fast, Flexible Centrelink Loans Australia‑Wide
Our Centrelink loans Australia service offers up to $5,000 in just three simple steps:
- Quick Online Application
Complete a short form with your Centrelink income proof and ID, no lengthy payslips required. - Friendly Verification Call
A dedicated advisor familiar with loans from Centrelink payments will confirm your details and tailor a repayment plan around your benefit dates. - Same‑Day Funding
Once approved, funds are sent via OSKO so you can pay urgent bills without waiting.
With flexible repayment options (weekly, fortnightly, or monthly) and clear, upfront fees, our loans for Centrelink recipients provide peace of mind when you need it most.
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Experience The City Finance Difference Simplicity Speed Reliability
Apply in Minutes
Complete your application in the same amount of time as placing your coffee order
Get Paid Faster
Funds deposited within minutes to any OSKO enabled bank account*
Encrypted Safety
A secure and encrypted process ensures your peace of mind
*Most customer’s receive their funds in 60 seconds if using an Osko enabled bank account. Check with your banking institution about processing times
Get the Support You Need with Centrelink Loans Today
Don’t let benefit gaps hold you back. City Finance’s Centrelink loans help cover urgent costs with fast approval and flexible repayments. Apply online now and secure your funds so you can focus on what truly matters.
FAQs
Can I get a loan if I only have Centrelink income?
Yes. As long as you receive consistent Centrelink payments, JobSeeker, Age Pension, Disability Support Pension, or similar, you’re eligible for a Centrelink loan. We verify via your Centrelink statement and bank transactions.
Will applying for a Centrelink loan affect my benefits?
No. Taking out a loan for Centrelink does not change your Centrelink entitlements. It’s your responsibility to ensure repayments fit within your budget, but the loan itself won’t reduce your benefit rate.
How quickly do Centrelink loans fund?
After our verification call, usually within 3–4 business hours, approved applicants receive funds on the same day via OSKO to any enabled bank account.
What fees apply to loans from Centrelink payments?
- SACC loans ($500–$2,000) have a 20% establishment fee plus 4% monthly maintenance.
- MACC loans ($2,001–$5,000) carry a flat $400 establishment fee and a 48% APR. No fees for early or extra repayments.
What happens if I miss a repayment?
Contact us before your due date. We offer hardship assistance and can adjust your repayment plan to suit your revised budget, avoiding default.
Do I need to provide payslips or employment letters?
No. For loans for people on Centrelink, we accept your Centrelink income statement plus a 90‑day bank history, along with ID. No employer documentation is required.
