Help when money's tight
One-off payments, loans at nought per cent, and the right to ask for time. All free, none of it charity.
4 ways in, every one free, and almost none of them earns us anything.
Who you’ll be dealing with
- Moneysmart (ASIC)
- Claim Crisis Payment
- Services Australia
Every figure on these pages comes from one of these, with the link and the date we read it.
Behind on a bill? You can ask for time, by rightEnergy retailers, banks, councils and phone companies all have hardship processes. Asking early costs nothing and stops the expensive part: disconnection, default listings and debt collectors.Free30 minutesNeed something essential and can't cover it?A No Interest Loan lends up to $2,000 for essentials at nought per cent, with no fees and no credit check. It is the thing payday lenders exist because people have not heard of.$1,36030 minutes to applyHas something happened that forced you out of your home?Crisis Payment is a one-off payment for extreme circumstances and severe financial hardship. It is separate from any payment you already get.One week30 minutesNeed your Centrelink payment sooner?You can take part of it early as a lump sum. It is your own money brought forward, not a loan from anyone else, and there is no interest.No interest15 minutes
Everything here is free and almost none of it earns us anything. How we make money