StepUp Loans New South Wales (NSW) – Small Low Interest Loans

Small loans NSWGet a genuine, save, fixed low interest loan for low income earners finding it hard to quality for a general loan and want to avoid expensive short-term payday loans. Finding a low cost lender can be difficult, fortunately, StepUp allows borrowers to access cheap cash up to $3000.
The loan was specifically designed for low income earners and those who do not qualify from traditional lenders and need access to fairly priced cash.

Good Shepard Microfinance provides these specialty loans through a non-for-profit distribution model in partnership with the NAB.

General Loan Details:
Loan amount: $800 – $3000
Rate: Fixed rate at 5.99% p.a.
Loan term: set term up to 3 years
Cost of borrowing: No fees

Loan Uses:
Loans are to be used for everyday household needs and not entertainment or debt, examples include:

– White goods such as a washer/dryer, microwave, oven, refrigerator, etc
– Essential Furniture
– Computer/Laptop
– Vocational education
– Medical and dental expenses
– Second-hand cars or vehicle repair

* if you are in need of a loan to pay for bills, there are other free bill assistance programs available.

Eligibility Criteria

– Centrelink recipients accepted (must have a Pension or Healthcare Card or be collecting Family Tax Benefit A).
– Earn less than $35,000 a year after tax
– Must be able to prove length of residence in current home, you will need a minimum of 3 months.
– Credit check required

How and Where to Apply in New South Wales (NSW)
There are numerous office locations throughout NSW, in both metro and regional areas. Simply visit your closest office location or apply on or over the phone.

Office Locations and Contact Details

Northern Rivers Community Gateway Inc
76 Carrington Street
Lismore, NSW 2480
Phone: 02 6621 7397

Baptist Care NSW & ACT
179 Brisbane Street
Dubbo, NSW 2830
Phone: 02 6884 6595
Open: Tue to Wed 8:30am to 5pm, Thu 8:30am to 1pm

Baptist Care NSW & ACT
88 Hanbury Street
Mayfield, NSW 2304
Phone: 02 4032 5281
Open: Mon – Thu 9am to 4pm

Josephite Foundation
96 Russell Street
Bathurst, NSW 2795
Phone: 02 6332 4866
Open: Wed to Fri 9:30am to 4:30pm

Anglicare Diocese of Sydney
91A Kurrajong Avenue
Mt Druitt, NSW 2770
Phone: 02 8805 0900 or 0967
Open: Mon to Thu

Anglicare Diocese of Sydney
9 Northumberland Street
Liverpool, NSW 2170
Phone: 02 9821 1014
Open: Mon to Thu 9am to 5pm

Baptist Care NSW & ACT
2 – 6 Hill Street
Warilla, NSW 2528
Phone: 02 4298 7206
Open: Mon – Thu 8:30am to 4:30pm

*If you are not near any of the above locations, contact the national line on 13 64 57 to arrange alternative borrowing options.

Review Other Financial Assistance Programs Below:
Find other financial assistance programs, there are numerous other social services like non-profits that can help with bills, rent, food and small cash loans or grants. If you dealing with financial hardship, there are options available to help improve your situation.

Bill Smoothing – A highly effective budgeting tactic used by utility companies but can be used across all bills. This helps keep monthly expenses at a low manageable amount and avoids large one off bills like rego.
Advanced Payment – For those collecting Centrelink benefits, this allows you to access a portion of your future payments to pay for current needs.
Financial Counsellors – For any general or serious financial issues, counsellors can assist. They have the ability to provide professional advice on all situations. They also have strong partnerships with most financial aid programs to help. There are numerous office located throughout NSW.
Centrelink Loans – If you are in a situation that requires cash, there are a range of responsible lending providers that help Centrelink recipients. Loans range from $100 to $4000 depending on lender and need.
Other Loan Options – In addition to the above, there are a range of other loan options for low income earners. This includes, bad credit, emergency, unemployed, single parent and more.

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