Our caring Financial Health team provides a range of free, confidential and non-judgmental support for people who are experiencing financial difficulty.
Free support from a qualified, compassionate and independent financial counsellor who can put you back in control of your finances. We will listen to you and help you understand the options available to you. You will always maintain control. We can support and advocate for you, which may include helping you to speak with your creditors, or speaking with them on your behalf.
Conduct a financial health check and get help to plan a household budget, negotiate bill payment plans and gain access to concessions.
No Interest Loans (NILS)
With no fees or charges, No Interest Loans (NILS) provide people on low incomes with access to safe and fair credit up to $1,500 and have repayments set at an affordable amount over 12 to 18 months. Available for essential goods and services such as fridges, washing machines, car repairs, and medical procedures. Not available for debt consolidation, holidays or bills, and not available as cash.
Low-interest loans between $800 and $3000 for people on low incomes. There are no fees and you can take up to three years to pay back your loan. Available for second-hand cars, white goods, computers, medical fees, furniture, solar systems and vocational education. Not available for debt consolidation, holidays or bills, and not available as cash.
Help to understand utility bills, identify concessions and opportunities to use less and save, look for better deals, and talk with companies to get a better, fairer outcome. Find out more here.
Our Tax Help volunteers are trained and accredited by the Australian Tax office and provide a free and confidential service for people with incomes up to $60k, with simple tax affairs, to complete their tax returns online. Available between July and October.
Why choose us
We are committed to providing excellent customer service that informs, advises, and supports you. In a friendly and caring way, we will take the time to understand your individual needs, provide assistance, and listen to your ideas. We celebrate diversity and offer translating and interpreting services and AUSLAN interpreter services. We will respect your privacy. We will take all reasonable precautions to protect your information and will not disclose this to anyone unless you give us your permission (or we are required to do so, by law). We are continually looking for ways to improve our service and will always value your feedback.
If you would like to speak with someone about our Financial Health Services, please call our Financial Health hotline on 8245 7177.
To enquire online, please complete the form below and we will get back to you within 48 business hours.