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Support me to - manage my finances

StepUP is a low interest loan for people on low incomes. The loan can be used to purchase items such as a second hand car or car repairs, furniture, a computer, white goods and electrical items, vocational education or medical expenses.

Loans are for amounts from $800 to $3000 with a three-year repayment period.

Am I eligible?

You can apply for a StepUP loan if you meet a number of conditions including:

  • Hold either a Centrelink Health Care card, Veterans’ Affairs or Pension card, or receive Family Tax Benefit A
  • Earn under $35,000 net per annum
  • Have lived at your current address for a minimum of three months, and
  • Are a permanent resident of Australia

 

How else can we support you?

No Interest Loan Scheme (NILS)

The No Interest Loan Scheme (NILS) provides individuals and families on low incomes access to safe, fair and affordable credit. The loan can be used for essential goods and services such as white goods, some medical and dental services, and educational essentials such as computers and text books.

Find out more

Money Mentors

Money Mentors can help you gain skills that allow you to take charge of the day-to-day management of your money

Find out more

ConnectEd Program

The ConnectEd program aims to help people understand their energy and water bills, save money on household usage, find a better deal and get assistance if they are struggling to pay their utility bills

Find out more

Financial counselling

UCWB financial counsellors can explain how to manage financial problems and their consequences. They can assist by speaking to creditors, negotiating repayments or applying for hardship assistance where appropriate.

Find out more

It’s Up 2 Me

UCWB supports individuals to live independently and improve their wellbeing via a supported website and free mobile app, It’s Up 2 Me. This program gives real life information about everyday problems through access to practical tools and knowledge.

Find out more

StepUP loans (low interest)

StepUP is a low interest loan for people on low incomes. The loan can be used to purchase items such as a second hand car or car repairs, furniture, a computer, white goods and electrical items, vocational education or medical expenses.

Find out more

Tax Help

If you are on an income of less than $50,000 a year, an ATO Tax Help Volunteer can assist you to lodge your income tax return. This free community-based service using volunteers is available at UCWB from July to October.  

BSWAT (Business Services Wage Assessment Tool)

UCWB financial counsellors can assist people with an intellectual impairment or disability who may be eligible for a one-off payment under the BSWAT Payment Scheme. To talk to a UCWB financial counsellor call 08 8245 7100.