Centrelink Loans And Loans For People On Centrelink?

Loans for people on Centrelink are potentially available up to $10,000 through Monzi’s lender-finder service. However, you may be eligible for a Centrelink loan through The Department of Human Services.

What are instant cash loans for Centrelink?

A Centrelink cash loan is a credit option for people who receive Centrelink benefits. Moreover, they are also known as pension cash loans, cash loans for pensioners and fast cash loans for Centrelink. In addition, these loans may be available from $300 upwards. If you receive benefits, these loans may be an alternative to payday loans.

It’s simple to apply for short term personal loans. However, it may not always be your best option. As we mentioned above, you may be eligible for an advance through the Department of Human Services. Often, these Centrelink loans will be a better option than bad credit loans from online lenders.

Applying for Centrelink loans through the Department of Human Services

You should try to apply for Centrelink loans through the Department of Human Services official website before finding online loans with easy approval.

These Centrelink loans from the Department of Human Services may be an option if you meet the following criteria.

  • You are receiving certain government or Centrelink benefits.
  • Are on a low income.
  • Haven’t received an advance payment in the last 12 months.

These advance loans come with no credit check.

Am I able to get a loan from the Department of Human Services?

You may be eligible to receive a loan from the Department of Human Services themselves. Often, these small loans may be a better option than one from a credit provider, as they can easily be repaid interest-free out of your future repayments.

Can Centrelink pay you early?

If you receive certain Centrelink benefits, you may be eligible to apply for an advance payment. In short, this is where the government pays you part of your benefits early. It is then repaid interest-free out of your future payments.

These loans may be a great option for many borrowers who receive Centrelink benefits.

Benefits of an Advance Payment

There are many benefits to accessing Centrelink loans out of your benefits. These include:

  • interest-free;
  • easily repaid out of your future Centrelink benefits;
  • easily accessed online; and
  • having very affordable repayments.

Receive Centrelink? Consider an advance payment before applying for short term loans.

Am I eligible?

It must be noted that not every single person receiving Centrelink payments is eligible for cash loans. However, you may be eligible to apply after receiving certain Centrelink benefits for a period of time.

You are able to access a full list of who is eligible from the Department of Human Services. All you need to do is find your Centrelink payment type (e.g. Youth Allowance or the age pension) and check the availability and requirements.

How do I borrow money from Centrelink?

These Centrelink loans are available from the Department of Human Services. Moreover, the easiest way to apply is online via myGov.

Before you lodge your application, you will need to calculate your income and expenses. You will, in addition, need to supply this information in your application. This is done, simply, so the Department of Human Services is able to tell if you can afford to repay your loan.

Once you have this information ready, you can go ahead and apply:

  1. Sign in to myGov and select Centrelink.
  2. Next, click Apply for Advance.
  3. You will, now, be shown if you’re eligible to apply or not.
  4. If you’re eligible, click Get Started.
  5. Follow the steps to lodge your application.
  6. Keep in mind, each screen will have helpful information on how to complete the application.
  7. Lastly, submit your application.

Finally, once your application has been submitted, you will receive a receipt letting you know if it was successful. If successful, you’ll also receive a summary detailing the terms of your advance payment.

How much can you borrow from Centrelink?

There is a limit on how much money the government is able to lend you. This will, after all, depend on what kind of benefit you receive, as well as your individual circumstances. For example, if you’re part of a couple, the amount you may be approved for will change. Additionally, you can find more detailed information here.

Are you, therefore, wondering if you can get a $1,000 Centrelink loan? The answer is, simply, it depends on your circumstances.

To find out more about advance payments, you will need to get in contact with the Department of Human Services directly. You can find their contact details here.

How often can you get a Centrelink advance payment?

You can, generally, get one advance every 12 months. However, this may vary depending on what benefit you receive. Also, the amount of the advance will depend on what benefit you receive.

To find out more about your situation, you will need to get in contact with the Department of Human Services directly.

On benefits and looking for an instant loan? You may receive your advance quickly. Therefore, you may not need to apply for short term loans from lenders offering quick cash loans.

How do I apply for Centrelink?

If you’re not yet a Centrelink customer then applying for Centrelink loans won’t be an option for you yet. However, if you find yourself needing financial assistance, then it’s important to understand how to apply.

Luckily, it is quite easy.

Firstly, you will need to create a MyGov account (if you haven’t already) and then link it to Centrelink. Then, you’ll need to follow the prompts to submit a claim. Obviously, before applying, you’ll need to determine which Centrelink payment is right for you.

As part of your application, you typically must submit a handful of supporting documents and answer a range of questions regarding your financial situation. Once completed, you can submit your application. From there, it will be processed, and you will often receive an outcome in the coming weeks.

What types of small personal loans can Centrelink recipients apply for?

You have a few options available to you if you’re receiving Centrelink and are looking for a loan of $2,000 or less. Moreover, you can potentially apply for personal or payday loans while living in Australia:

  • Personal loans. It is possible to apply for small personal loans from $300 to $2,000 from banks, credit unions and other credit providers if you are receiving Centrelink benefits.
  • Payday loans. Small, short term loans potentially available to Centrelink recipients and consumers with poor credit.

Keep in mind, there is no guarantee payday loans will be offered with no credit check. Moreover, be aware that certain Centrelink payments may not be eligible (e.g. Youth allowance). However, consult with your lender.

Loans for people on Centrelink: can I get a loan if I’m on benefits?

In short, yes!

Monzi’s lender-finder service may be able to pair you with a credit provider who might be able to offer you a personal loan.

Keep in mind, most credit providers are unlikely to offer a loan of over $5,000 to Centrelink recipients.

If you are receiving government benefits and have an unexpected expense pop up, you may need to find an emergency cash loan. However, many traditional lenders will automatically refuse your application if these benefits make up part, or all, of your income.

If you also have poor credit, your chances of being approved shrink even more. You could, on the other hand, apply with alternative lenders who offer loans for Aussies receiving government assistance. If you have bad credit and receive government benefits, you may be approved for these loans.

Loans for people on Government assistance

  • Are a way for people on low income to access credit;
  • an option for borrowers on low income to cover an unexpected expense;
  • a fast and convenient way to get cash into your account; and
  • could be transferred into your account the same day you apply.

You could apply for these if:

  • the lender accepts Centrelink benefits as a form of income;
  • These Centrelink payments make up part or all of your income; and
  • if you have bad credit but are still looking for a cash loan.

Monzi may be able to pair you with a lender who could offer loans for personal expenses. In particular, Monzi works with lenders who offer loans of $300 to $5,000.

On low-income and need a loan? Get Monzi on your side!

Loans for people on Centrelink are, in short, loans for people receiving benefits. Sometimes, finding lenders willing to lend to people receiving government assistance can be difficult. Monzi may, however, be able to start finding the lenders who offer loans to people receiving government assistance within minutes.

After all, we’ve made the application super simple so that we can get your application to a lender as soon as possible. The best part? In short, you’ll have one application form to fill in. How’s that for fuss-free lender finding?

In brief, Monzi gathers your details from our application form that can be completed in minutes. Next, we pass your information to potential lenders safely and securely and try to pair you with a lender.

Looking for cash loans for low-income individuals? Get Monzi on your side.

What are loans for people on Centrelink?

Put simply, they are credit available to consumers who receive government benefits.

Therefore, to find credit providers offering these loans, you could use a lender-finder like Monzi. Monzi is potentially able to find lenders offering up to $5,000.

These loans might be labelled as instant cash loans no credit check and no credit check loans by other lenders. In short, Monzi may be able to pair you with a lender that accepts government benefits as a form of income.

Also, when you use Monzi, we will do our best to match you with a lender offering cash loans online. Approval is subject to assessment and is, therefore, never guaranteed.

Can Monzi find me an interest free loan?

Unfortunately, no.

Instead, we can find lenders who may be willing to offer you a personal loan for people on Centrelink.

Here’s an idea of what everyday Aussies are searching for online when looking for loans on Centrelink.

Centrelink LoansInstant Cash Loans on Centrelink
Small Loans for Centrelink CustomersCentrelink Approved Loans
Loans On CentrelinkOnline Loans for Centrelink Customers
Cash Loans For Centrelink Customers With Bad CreditQuick Cash Loans for Centrelink Customers
Payday Loans Centrelink No Credit CheckLoans for Centrelink Customers with Bad Credit
Loans for People on CentrelinkInstant Cash Loans No Credit Check Centrelink

How much can I borrow?

Monzi may be able to match your application with a lender who may offer a personal loan of up to $10,000. This, however, will be dependent on your circumstances. As a result, each lender will conduct an assessment on your application and may offer an adjusted loan amount.

Generally, if a lender offers you a lower amount than you applied for, this is because they feel you will be unable to afford your loan repayments out of your future Centrelink benefits.

Comparing loans for people on Centrelink

While we all want to get things done ASAP, when it comes finding a lender, it often pays to take your time. By shopping around and comparing lenders, you can potentially save yourself money and access more favourable terms too.

Not sure what to compare? No worries. At Monzi, we’ve assembled a quick list of factors that you must consider. Check it out:

  • Interest rates: determines the amount you must repay on top of what you borrow. As a rule, aim to find the lowest rate possible.
  • Fees, charges and additional costs: lenders may charge one-off or on-going fees to your account. Try to minimise these where possible.
  • Comparison rates: combines your rates and fees into a simple, annual rate that reflects your total loan costs. It’s the easiest way to compare loans and their associated costs.
  • Terms and borrowing limits: how much can you borrow and how long do you have to repay it?
  • The lender: are they trustworthy, reputable and do they have a history of treating their borrowers well? Read their user reviews online to get a better idea of the lender that you will be dealing with.

woman happy after being approved for loans for people on Centrelink

Supersize your loan application!

Got an empty wallet? Change that with supersized cash loans from one of Australia’s leading lenders! Imagine a lender-finding service that works like your favourite drive-through; quick and convenient.

After all, at Monzi, we believe that every Australian should have the choice to apply for the lender they need. Additionally, we want to make our service available to as many people as possible. In short, our lenders may offer three types of loans for people on Centrelink:

  • A small amount unsecured loan, $300 up to $2,000.
  • A medium amount secured loan, $2,001 to $4,600.
  • A large amount secured loan, $5,000 to $10,000.

Loans for almost anything and everything

Personal loans can be used to cover essentially any personal expense. As a result, they can be spent almost like cash. Therefore, you could use your short term loan to cover anything from a rental bond to travel expenses.

So, whether you need extra cash to get you back behind the wheel, or to cover a new set of pearly whites, Monzi may be able to help. With one application we may be able to match you with a lender in no time.

Therefore, whatever your expense, Monzi may be able to find the lenders that could help. As a result, Monzi is your new best friend in finance.

Can I get loans for people on Centrelink instantly?

Let’s be real, no one wants to spend hours on a short-term loan application. Chances are, you already have a lot to do, and a lengthy process will take up time and frustrate you. After all, we understand!

Nowadays, we all expect instant cash loans services. Moreover, we expect 24/7 access to small loans in Australia. Luckily, Monzi may be able to find you a lender so quickly that it may feel almost instant.

In short, consumers can lodge an application on Monzi’s website from anywhere and at any time. As a result, if you need an emergency loan at 2 am on a Saturday, you can lodge an application on our website.

Keep in mind, however, if you apply over the weekend, we may not be able to give you an outcome until the next business day.

Monzi’s super-fast application

Applying for money lenders through Monzi is laser fast. For many, that’s a major perk, as time is money.

Forget about standing in queues with piles of paperwork. No need to try and fit a loan application into your lunch hour. The Monzi process is 100% online so that you can apply at any time of the day or night.

You can apply for a fast cash loan from the comfort of your home or office. You can, in addition, apply for a loan while you’re cooking dinner or enjoying a cup of coffee. It’s that easy! But we do suggest that you try to apply during business hours if you are hoping for a same-day reply.

Once we have your application, we will aim to pass your application on to a potential lender. The lenders that we can find may offer a quick turnaround time on application outcomes.

How do I use Monzi’s lender-finder service?

Consumers can lodge an application to borrow money from our network of lenders in three easy steps. Need cash today? Here’s how to get started:

Step One

Okay, so an unexpected or emergency expense has just raised its head. Unfortunately, you do not have enough savings to cover yourself. In addition, you receive welfare, making it difficult to secure a loan from a traditional credit provider. What are you meant to do?

Luckily, Monzi’s lender-finder service could provide the answer.

Get started by scrolling up to the loan slider. Next, work out how much money you want to apply for and select it with the loan slider. Finally, once you are happy with everything, click Apply Now.

Note, the loan slider will give you an estimate of what the weekly, fortnightly and monthly repayments could be. These are, however, simply an estimate. The actual cost of your loan may vary depending on the lender you’re paired with.

Step Two

Here, consumers will need to complete our submission form. Don’t worry – we only ask for essential information. As a result, you could complete your submission in a matter of minutes.

Keep in mind, if you are receiving Centrelink, you will need to keep your myGov details handy.

Step Three

What we’ve all been waiting for: the outcome.

Depending on when you lodge your application, we’ll try to have an outcome for you within 60 minutes. However, individual applications may vary.

If we successfully match you with a lender, they’ll be in touch. Next, your lender will assess your application. Generally, credit providers will send through a digital loan contract if the application is approved.

Keep in mind, Monzi does not determine the cost of your loan. The lender will work out how much money you will pay back in total.

What about payday loans for people on Centrelink?

If you, for example, are receiving the disability support pension and looking for an instant cash loan with no credit check, you may consider applying with a payday lender.

Payday lenders, however, may not always be your best option. After all, certain payday lenders may be very inflexible with the repayment terms. Consumers could then, instead, apply for a personal loan as an alternative.

Personal loans can be offered as both small loans under $2,000, as well as bigger loans of up to $10,000. Moreover, personal loans often have repayment terms ranging from several months to years, depending on the loan product. As a result, it may be possible to work the repayments around your regular lifestyle more readily.

Am I eligible to use Monzi’s lender-finder service?

As we mentioned, we do have some basic criteria that must be met before we can start trying to find you a lender. But don’t worry too much, they’re nice and simple:

  • You must at least 18 years old.
  • Receive a regular income into a personal bank account for at least 90 days.
  • Be an Australian Citizen or Permanent Resident.
  • Have a direct contact number for the application process. This is so lenders can contact you by telephone.

Do you meet these criteria? Fantastic! Now you simply need to work out how much money you need. And just remember, while we can’t guarantee lenders of instant cash loans we can promise that we’ll do our best to find a super speedy lender for you who can help you out.

Are loans for people on Centrelink with no credit check possible?

Have you been searching for online loans? You may have come across websites offering instant cash loans with no credit check.

Consumers with bad credit often feel that no credit check loans may be their only option. Moreover, if you need instant cash and are unemployed, you may consider applying with a payday lender.

As we mentioned above, payday lenders may not always be your best option. Instead, consider using Monzi’s lender-finding service. We may be able to match you with a lender potentially offering the emergency cash you need.

Admittedly, we cannot guarantee whether or not the lender you’re paired with will conduct a credit check. However, we can guarantee they will look at more than just your credit report.

In other words, even if a lender does perform a credit check, they may also assess your regular income and expenses too.

Are loans for people on Centrelink no credit check ever guaranteed?

Unfortunately, no; no loan is ever guaranteed. Moreover, we cannot guarantee you will be offered a loan without a credit check.

If you need a loan but are concerned your credit score will get between you and approval, you have the option of applying with a no credit check lender. These lenders will assess your application based on your income, employment and banking history.

Finally, even if the lender does a credit check on your application, you may still be considered for a bad credit loan.

Are there payday loans for Centrelink no credit check?

Generally, Monzi will aim to pair you with a personal loan lender instead of a payday lender. There’s no cost for applying, and you are under no obligation to accept the loan contract. It only takes a few minutes to complete the application, and we’ll aim to provide a quick outcome. For bad credit personal loans, lenders may perform a credit check, but will also consider your current financial situation (e.g. your income, expenses and any Centrelink benefits).

Payday lenders are generally able to offer amounts up to $2,000; however, certain lenders may offer these loans up to $5,000.

Work out how much money you wish to apply for and make sure it will be sufficient.

Can I get a personal loan if I’m unemployed?

Although it’s possible to receive a personal loan when you’re unemployed, lenders may not always be able to do so. After all, credit providers will have their own policies when it comes to lending money to Centrelink customers.

Certain lenders may be able to regard regular Centrelink benefits as income. However, lenders may have their own guidelines around:

  • what kind of benefits can be accepted (e.g. are Youth Allowance payments treated differently to pensions); and
  • how much of your income the benefits make up.

So, if you are looking for easy loans but have no job, consider our lender-finder service. While we cannot make any guarantees, we will try to match you with a lender willing to consider your application.

Can I get a personal loan on disability support?

Consumers may be eligible for personal loans through online credit providers if they receive a disability support pension from Centrelink. After all, credit providers may regard regular disability support payments as a form of income. However, remember that your outcome will depend on whether your pension will be sufficient to cover your repayments, as well as your regular income and expenses.

Our network of lenders may be able to offer unsecured personal loans for disability pensioners of up to $2,000. In addition to this, the same may apply to individuals receiving the age pension too.

However, keep in mind that approval is always at the discretion of the lender and subject to assessment.

Is Monzi’s lender-finder service for you?

It’s hard to know which lender or lender-finder service to trust these days. With so many options, it’s difficult to know where to start.

Luckily, Monzi makes it easy. All you need to do is work out how much money you want to apply for.

At Monzi we aim to make the process of applying for a lender simple. We cut out the frills and mystery of quick online loans. We present our customers with a loan application that’s fast, stress-free and easy. Then put them in touch with lenders who may be able to help them out.

Are Centrelink benefits considered a source of income?

In short, they definitely can be. However, it’s worth understanding that not all lenders will be prepared to offer Centrelink loans.

In other words, while some lenders may treat Centrelink benefits as a legitimate source of income, others will not. In addition to this, lenders may even differ in how they view the type of benefit payment that you receive.

Given this, it’s worth understanding that if you receive Centrelink payments, approval is never. Moreover, it may depend on the lender that you are dealing with and whether or not they offer Centrelink loans.

Personal loans for single parents

If you are a single parent and receive Centrelink, you may still be eligible to apply for quick cash. Regardless of whether you are a single mother, single father, or a grandparent, Monzi can try and help find you a potential lender.

After all, if you need to cover something like car repairs, your regular government benefits may not be enough.

Cash loans for people on Centrelink with bad credit made easy

At Monzi, you can trust that we will attempt to find you a lender fast. There’s no shame in needing a helping hand when it comes to enhancing your quality of life. Or ensuring that the stress and hassle of traditional lenders don’t take their toll on you. That’s why you can apply with Monzi, and we’ll do our best to find you a lender that can offer bad credit loans.

Our entire process is quick and easy. While we do have basic minimum criteria that need to be met before we can start trying to find you a lender, these are easy to meet. Being paired with a lender has never been so simple.

Are personal loans the right choice for me?

Whether or not a personal loan is right for you will depend on your unique financial situation. As a result, we can’t provide an exact answer.

In saying this, we can help get you started. In most cases, before applying, it’s a great idea to do a thorough assessment of your finances. As a guide, ask yourself the following questions to determine whether or not a loan would be the right choice for you:

  • How much am I earning?
  • What are my regular, day-to-day expenses?
  • Do I have any outstanding debts or on-going payments?
  • Do I have any major expenses upcoming?
  • How much do I need to borrow?
  • What repayments could I afford?
  • Can I cut costs anywhere to reduce the amount I must borrow?

Loans for people on Centrelink: why was my application denied?

Monzi is unable to say why your application was denied. In most cases, it will simply be because you failed to meet one of the lender’s necessary qualifying criteria. However, in other cases, it may be because the lender is unwilling to offer loans on Centrelink or your Centrelink payments aren’t sufficient to cover your repayments.

If your application is denied, contact your lender directly, and they may be able to provide you with the exact reason. At Monzi, once we have paired you with a lender, we are no longer part of the process and are not involved in your assessment. As a result, we would be unable to answer your questions.

The good news is that if your application was denied, then you’re welcome to apply again with Monzi in the future. If you’re able to work yourself into a more financial situation, then you can potentially access the online credit that you need.

How to apply for hardship

Emergencies strike without warning. Moreover, you may find yourself unable to afford your contractual repayments. In this situation, get in contact with your lender as soon as possible.

Here is how you apply for hardship:

  • Get in contact with your lender’s hardship department.
  • Provide evidence of hardship. This can include:
    • medical certificate
    • payslips
    • bank statements
    • separation certificate.
  • Lender assesses your hardship application.
  • Lenders may offer a restructured loan upon approval.

Centrelink loans and loans on Centrelink: apply today

If you would like to apply for loans for people on Centrelink all you need do is pop in an application in to get the process started. Fill out our online application form, and we’ll do our best to find a lender who can help you out.

Lenders potentially offer secured and unsecured loans from $300 to $10,000.

Always work out how much money you need before applying.

While there are no guarantees in life, Monzi might make finding a potential lender pretty painless. For extra information on borrowing, visit ASIC’s MoneySmart website.

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You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000


12 months


20% upfront establishment fee

+ 4% monthly fee


Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Loan amount

$2,001 - $4,600


13 months

24 months


48% annual percantage rate

67.41% comparison rate p.a.


Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

Loan amount

$5,000 - $10,000


13 months

24 months


21.24% annual percantage rate

48% comparison rate p.a.


Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.