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Maximum charges: 20% Establishment fee and 4% monthly fee (Comparison rate 199.43%) based on $1000 repaid over 6 months. Illustrative example: 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 instalments of $57.60. Maximum charges: 20% Establishment Fee & 4% Monthly Fee. In comparison rate terms, the maximum comparison rate may be as high as 199.43%.
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. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower's credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.
Viva Payday Loans > Micro Loans For Centrelink Customers

Micro Loans For Centrelink Customers

Unlike what most people believe, Centrelink recipients can still apply for and qualify for microloans for Centrelink customers while receiving benefits – you just have to know how.

This overview explores what micro loans for Centrelink customers are, the types available, features, examples, how much you can borrow, and their advantages and disadvantages. You’ll also discover the benefits of Centrelink loans, how to apply, and the instant cash loans on Centrelink 24/7.

Table of Contents

The Rundown On Micro Loans For Centrelink Recipients

Micro loans for Centrelink customers refer to small loans designed to cater only to people on Centrelink. Impromptu emergencies or expenses can be a significant hurdle for people on Centrelink because you only get a fixed amount every month for pensions or other kinds of income.

Loan options are also limited for those who receive benefits from Centrelink, especially with traditional lenders like banks, who have strict lending criteria for unemployed or retired borrowers. Everyone needs to have access to cash when they need it, and thankfully, there are various micro loans for Centrelink customers available.

You can access micro loans for Centrelink customers through various programs and specialist lenders available at Viva Payday Loans in Australia. Such lenders allow you to access fast loans from $100 to $5,000 regardless of your credit history.

Choose The Right Micro Loans For Centrelink Customers For You

Emergency Cash Micro Loans For Centrelink Customers

Centrelink offers emergency cash advances to its customers in various circumstances. The number of advances you can get during set periods is limited, and your eligibility is based on the type of benefit you receive and how long you’ve been on benefits.

You’ll find different terms and conditions for emergency cash advances depending on the benefit type, and this will affect how much you can access, how many times you can apply, and the repayment terms. Here’s a quick overview:

  • You can ask for up to $1,161 if you’re receiving Family Tax Benefit Part A, and you’ll only be able to get one advance at a time.
  • You can apply for an emergency cash advance every six months if you’re a recipient of Age Pension, Disability Support Pension, or Carer Payment. Single recipients can access $446 to $1,339, while couples can access $336 to $1009.
  • You can access advances between $250 and $500 if you receive JobSeeker, Austudy, Widow, and Youth Allowance payments.
  • You can only access one advance every twelve months if you receive Mobility Allowance, and it will be equal to six months’ worth of your current payments.

Ensure you’ve budgeted carefully because your benefit payments can stop for the duration of the emergency advance amount, leaving you without any income. Opting for microloans for Centrelink customers via

Micro Loans For Centrelink Customers – NILS

No interest Loans (NILs) are available in over 170 local community organisations found in over 600 locations across Australia. The No Interest Loans Scheme aims to provide individuals and families on low-income with financial access that can be difficult to get through the regular financial channels.

Centrelink recipients can access safe, fair, and affordable credit without any interest. NILs are designed to offer a helping hand to purchase essential services and goods, and you can access up to $1500 with repayments set at affordable amounts for a period of 12 to 18 months.

They’re not regular loans, and they work through a circular community credit process. Once you make full repayment, the funds become available for someone else in the community.

They’re not cash loans, and you can’t use the funds to pay rent, food, bills, or debt. You can use NILs to:

  • Repair a car.
  • Pay for dental or medical expenses.
  • Pay for education essentials like laptops or textbooks.
  • Buy household items like washing machines and fridges.

You’re eligible for NILs if you have a pension card or healthcare card, you’ve stayed at your current residence for over three months, and you earn less than $45,000 a year after-tax or $60,000 for couples or people with dependents.

Same-Day Loans With Instant Approval And No Interest

A firm favourite for many Centrelink customers is to avoid taking out further finance with Centrelink and to look to affordable, convenient alternatives such as those on offer via the portal. Here you can find same day loans of up to $2,000 that come with 0% interest. These loans will only cost you 4% monthly charge and no more than 20% establishment fee (once off). These remain one of the most sought-after micro loans for Centrelink customers because there’s no credit check involved, the application process takes just a few minutes, and if you borrow a small amount, you won’t be charged interest.

What Features Do Micro Loans For Centrelink Customers Share?

Minimum To Zero Interest Rate

With micro loans for Centrelink customers, you’ll pay the minimum interest rate or not pay any interest at all. The maximum you can get is a fixed 5.99% per annum interest rate. All amounts under $2,000 don’t attract any interest rate under the lending regulations in Australia, and you’ll repay the borrowed amount only.

Straightforward Repayment Plans

It’s easy to repay micro loans for Centrelink customers. After getting your advance, you’ll make repayments every week, fortnight, or month – and they’re automatically deducted from your Centrelink payments.

Quick And Easy Online Application

You can access most micro loans for Centrelink customers online from Centrelink or other lenders. You get to borrow money online through a quick and easy online application process from anywhere in Australia. All you need to do is sign in and apply.

Small to Large Loan Amount Options

Micro loans for Centrelink customers are flexible enough to cater to all kinds of Centrelink borrowers. You’ll find a suitable loan for your needs whether you’re a pensioner, student, widow, low-income family, or individual. The loans can be tailored to your needs and circumstances, with amounts starting from $50 to $2,000.

Example Of Micro Loans For Centrelink Customers

Loan Option Interest Rate Fees Loan Amount
NILS 0% None $300 – $1,200
StepUp 5.99% (fixed) None $800 – $3,000
Advance Payment 0% None $50 -$1,237

How Much Can I Borrow From Centrelink?

When opting for micro loans for Centrelink customers via Viva Payday Loans, you can borrow anything from $300 up to $2,000 with 0% interest. Some of the lenders on our panel offer loans ranging up to $5,000 but these come with varying interest rates of up to $48%.

Of course, borrowing from Centrelink is a different story. The type of benefit or payment you get from Centrelink will determine how much you can borrow.

Family Tax Benefits (FTB) Part A

You can borrow up to $1,161, and you can’t borrow more than one regular advance at a time. You can ask for a one-off advance at any time. For children under 13, you can only borrow 3.75% of the standard rate with ordinary advances. It’s paid out every 26 weeks, provided you’re eligible. You can only borrow 7.5% of your annual rate with one-off advances.

Disability Support Pension, Age Pension Or Carer Payment

For single Centrelink customers, the highest amount you can borrow is $1,372, while the lowest is $457. Couples can access from $344 to $1,034. The amount you can borrow can change with changes in the pension amount, and you can only access the highest amount once every six months.

JobSeeker Payment, Austudy, ABSTUDY, Parenting Payment, Student And Job Seeker Youth Allowance, Widow Allowance

You can borrow from $250 to $500, and this can be paid out all at once or in two equal payments.

Special Employment Advance

You can borrow from $50 to $500. You’re eligible if your income drops by half or you don’t have en0ugh money to cater for something you need to start a job.

Centrelink Recipient Micro Loans – The Advantages And Disadvantages


  • Fewer qualification requirements than other loans.
  • Straightforward application process.
  • You get to borrow money online from anywhere in Australia.
  • Same day payouts.


  • Expensive borrowing option.

Who Can Take out An Advance Payment? – Eligibility Criteria

Qualifying for advance payments through the Centrelink program will depend on the type of benefit you have. If you’ve received any of the following for a minimum of three months, you can apply for advance payment via Centrelink: carer payment, parenting payment, disability support pension age pension, widow allowance, farm household allowance, youth allowance for job seekers, jobseeker payment.

With Centrelink, you may not be eligible for a cash advance if you’re repaying an advance, you owe a debt to the government, can’t afford repayments, or you live outside Australia.

The alternative is to opt for micro loans for Centrelink customers through the Viva Payday Loans platform. To qualify for micro loans, you’ll need to meet the following criteria:

  • Be 18 years old or older.
  • Have a permanent residency or Australian citizenship.
  • Have a valid phone number and email address.
  • Have an active bank account with at least three months of banking history.

Centrelink Recipient Microloans – How To Apply Online

Through Viva Payday Loans, you get free access to the most reputable lenders in Australia who specialise in providing micro loans for Centrelink customers. You can apply through a few simple steps:

Step 1: Gather Your Documents

All reputable lenders must verify your details before disbursing the loan. Gathering the required documents ensures there are no delays in the loans process. These can include valid identification, proof of Centrelink income, bank statements, and bank account details.

Step 2: Capture Your Details Online

Next, you’ll fill in your details in an online application form at Choose the amount you wish and repayment term, then provide your personal and financial information, including income and expenditures.

Step 3: Wait For Feedback From Lenders

Once you’ve submitted the filled-in form, you’ll receive feedback within two minutes! Once you’re approved, you’ll be connected directly to a lender – there is no middle man. They’ll ask for verification documents, and once they verify your details, they’ll send you a loan agreement to review and accept. Ensure you read it carefully and once you’re satisfied, simply sign and return it to the lender.

Step 4: Disbursement Of Your Funds

After you’ve returned the signed loan agreement to the lender, they’ll disburse the approved funds within hours on the same day or 24 hours at the latest.

Instant Cash Loans On Centrelink 24/7

Viva Payday Loans is your best bet if you’re looking for instant cash loans on Centrelink 24/7. You get free access to specialised lenders who provide instant micro loans for Centrelink recipients, and you can apply anywhere anytime through a quick online application process.

Lenders at Viva Payday Loans offer micro loans for Centrelink customers that feature fast approval, and payout within hours.


What Is A Crisis Payment Centrelink?

A crisis payment Centrelink refers to a one-off payment that can help you when you’re in dire financial hardship or extreme circumstances. To qualify, you must be experiencing extreme events or financial problems and be eligible or getting Centrelink benefits. Such events can include family or domestic violence, natural disasters, or COVID-19 incidents.  If you’re in need of quick cash and don’t want to have to prove you have been through a crisis, opting for micro loans for Centrelink customers via Viva Payday Loans will be an easier, less invasive process.

Can I Get Cash From A Short-Term Lender On Centrelink?

Yes! You’ll require lenders who specialise in advancing cash loans to borrowers on benefits from Centrelink, and that’s where Viva Payday Loans comes in. We connect you to suitable, reputable lenders who offer cash loans from $100 to $5,000 to Centrelink recipients, and you’ll get funds in your account within hours!

Is It Possible To Get Micro Loans For Centrelink Customers Weekend Payout?

No. Payouts or disbursements usually have to go through banking institutions, and they’re usually closed on weekends.

Can I Borrow $5,000 From Centrelink?

No. The highest amount you borrow from Centrelink is $1,161 if you’re Family Tax Benefits. To borrow up to $5,000, consider lenders at Viva Payday Loans who provide Centrelink recipients with loans from $100 to $5,000 provided you can afford repayments.

Can I Borrow Micro Loans For Centrelink Customers With Bad Credit?

Yes! Through Viva Payday Loans, you get free access to specialised lenders who welcome Australians with all kinds of credit. All that matters is whether you can afford to repay the loan, and they’ll consider you whether you’re unemployed or have a bad credit history.