Centrelink Loans

A centrelink loan, also called a small amount loan, lets you borrow up to $2,000. You have between 16 days and one year to pay it back. While it might look like a quick fix, a payday loan has a lot of fees. Here is an explanation of how it works when you want loans to payday.

Need a loan and you’re on Centrelink payments? You’re in luck, because we work with lenders who consider Centerlink as an income source in qualifying for a loan. In short, our lenders may be able to 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.

Therefore, whatever your loan needs, we may be able to find the lenders that could help. We are your new best friend in finance.

What are Centrelink Loans?

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.

How it all works – applying for an instant cash loan on Centrelink explained

Curious to see how the process works? Here it is, broken down into easy to follow steps.

Check you are eligible

You will need to be over 18, getting regular income to an account for at least 90 days and be an Australian resident. You’ll also need a working phone or email so we can contact you.

Apply online

You can apply for an instant cash loan using our secure application process. We then introduce your application for an instant cash loan to our network of lenders.

Attach an asset as security (for larger loans)

If you are taking out a larger loan ($2,000+) security such as an asset may be required.

Get approval within an hour

Once you have been approved, you will be called, sent an SMS, or email with the result. The funds will be deposited into your nominated bank account within 24 hours.

Loans for People on Centrelink

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

Centrelink LoansLoans to Payday
Centrelink LoanCentrelink Loan
Cash Loans Bad Credit CentrelinkBad Credit Centrelink Loan
Bad Credit Loans for CentrelinkLoan Bad Credit Centrelink
Loans on CentrelinkLoans for People on Centrelink
Loans When On CentrelinkLoan With Centrelink
On Centrelink LoansCentrelink Bad Credit Loans

What are Loans on Centrelink?

A centrelink loan (also called a loan for people on centrelink, payday advance, salary loan, payroll loan, small dollar loan, short term, centrelink loan or cash advance loan) is a small, short-term unsecured loan, “regardless of whether repayment of loans is linked to a borrower’s payday.”

What are Loans to Payday?

They are a loan that you receive until you receive your next pay cheque, also called a short term loan or payday loan. If you need to borrow a small sum of cash for a short period of time, you should consider getting loans to payday. That is where you get a loan short term and pay it back with your next pay cheque. Apply today for a same day pensioner or loan for Centrelink.

Loans on Centrelink

Do you need a centrelink loan, but your income comes from Centrelink payments? Submit your application today through Perfect Payday and receive a quick decision on your application. We accept Centerlink as a form of income when considering your application.

The majority of people, particularly those who live an average lifestyle, encounter financial challenges at some point. These circumstances may arise due to some emergencies that will require you to shell out a specific amount that is outside your budget range. These may be in the form of an emergency car repair, sudden loss of a job, or maybe an urgent health expense. We immediately turn to our family and friends for financial assistance or a cash loan. However, when they cannot provide you with the monetary support that you need, many people find relief from these issues through short-term cash from lenders.

Centrelink Loans to Payday

Loans to payday (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, “regardless of whether repayment of loans is linked to a borrower’s payday.”

What are Loans for Bad Credit?

A bad credit rating means that big banks will not lend you money when you need cash. Our bad credit loans are short term, low interest, quick cash loans for people with a bad credit history, repaid over a period of time between weeks and months. No guarantor or security required!

Apply for a Centrelink Loan

If you are unsure of your capability to fulfill these items, it would be best to get in touch with your potential lender. Find out if you fully understand the costs associated with the amount to be borrowed and if they are worth it. They can help assess your situation before making an application. They can also offer suggestions as to how you can be better prepared so you will have higher chances of getting approved. Also, make sure to read the terms and conditions carefully and avoid making emotional decisions when it comes to this type of cash advance.

Information about Centrelink Loans

Centrelink loans are a means of borrowing money for persons who have a low income and on Centrelink payments. You may qualify for a payday loan depending on whether the lender accepts Centrelink as income. You can also apply even if you need a cash loan for bad credit while on Centrelink.

They are a means of borrowing money for people who need a centrelink loan, but are on Centrelink payments. Loans for Centrelink are for people who have a low income. You may qualify for a payday loan, even if you want a loan on Centrelink payments. It depends on whether the lender accepts Centrelink as income. If you need a Centrelink loan, you can apply here. Consider applying even if you need a cash loan for bad credit while on Centrelink.

Centrelink or Centrelink Master Program is a program under the Australian government’s Department of Human Services. It basically provides financial help to Australian citizens who may be from different walks of life. The benefits that they provide aim to help people with lower income and aid them during transitional situations in their lives. Among those who are given these benefits include the unemployed, retirees, and financially struggling families. Disable people and indigenous Australians are also beneficiaries of this program.

There will always be instances, especially when barely getting by on a daily basis when they would need extra cash. Individuals who face these problems, like Centrelink beneficiaries, may even find these circumstances difficult. These people, who have lower income and need instant cash, have higher chances of getting rejected. If you are in this position, what other options do you think you might have?

Rules and Requirements for Applicants

There several companies that approve payday loans for Centrelink beneficiaries. However, there are some that are very particular with repayments. They communicate closely with the applicants for the latter to know all the important elements of a loan before its approval. By doing so, applicants who really need the instant money can get it without hassle.If you plan to apply for one, here are some of the criteria that mainstream lenders require for approval.

Applicants must be at least 18 years old and must be able to provide a proof of identification for their age. He or she must also be an Australian resident. Some firms require applicants to have a minimum net income of about $25,000 a year and present at least two to three months of payslips. For the employed, they will be required to provide at least two years of financial statements. There are also instances when banks consider the borrower’s credit history.

Those who have blemishes on their credit score may find it hard to secure approval. Other common requirements include the length of employment and residency, amount of credit that the applicant already has, the purpose and if the borrower has an established savings of at least three months.These are some important things that you have to consider before you submit an application for an instant cash advance.

These factors help lenders assess the borrower’s capacity to pay and provide them the needed information to determine the potential risk that a borrower may pose. Other companies may use these list as a mere guide and offer applicants more flexibility in terms of qualifying criteria. However, there are also some who might charge higher premiums for applicants with higher risks.

Perfect Payday’s Guide To Using Centrelink Online

Here’s a step by step guide to Centrelink online. Here you’ll learn how to access government services online. You’ll also learn how to set up and link to myGov. Find out more details here.

Perfect Payday is a lender-finder service. We cannot provide you with any financial advice. If you need one, you better seek legal, taxation, and financial advice so you’ll know how the ideas presented on this website help your unique financial situation.

What is Centrelink Online?

When you make a general move to an on-demand and digital society, the natural result is referred to as Centrelink online. Furthermore, consumers are now able to do business with state organizations such as the Department of Human Services online in just a matter of minutes.

Consumers enjoy a lot of benefits as a result. Gone are the days when you have to endure the lengthy process when going to the closest Centrelink branch since Centrelink services can now be done online. You can learn more about what Centrelink is at this link.

However, online services may seem to be quite confusing especially for those who are not digitally inclined. Fortunately, Perfect Payday is here to help and explain things to you as simple as possible.

Can I sign up for Centrelink online?

Of course, you can; all you need to do is register online.

Create an account on myGov and link your Centrelink online account. Are you confused? Here are a few things you need to know.

What is myGov?

The Australian Government created myGov so that consumers can access government services online. It allows all government services to be accessed online with just one login and password.

After setting up your myGov account, you can link the common services you use. A few services you can access through myGov are as follows:

  • Australian JobSearch
  • Australian Taxation Office
  • Centrelink
  • Department of Veterans’ Affairs
  • Medicare
  • National Disability Insurance Scheme

Since you can access all of these in a single site, you’re able to retain all of your correspondence from various government agencies in a single, secure place. Apart from that, consumers can easily update their personal information like address and contact details.

How do I set up myGov?

Unlike what most people think, government websites were not meant to be confusing. Even though it might seem like it, myGov is actually very easy and simple to use. You can easily set up an account using these seven simple steps.

    1. Create an account – set up an account on myGov’s website; just follow the instructions listed on the homepage.
    2. Agree to the terms of use – make sure to read the terms of use carefully before clicking on agree.
    3. Give your email address – you need to provide an email when setting up your myGov account. So, in case you forgot the logins you used in your myGov account, you’ll have to use a new one. myGov will send a code to your new email and you can use it to continue with the setup.
    4. Provide your mobile number – you need to key in your mobile contact number. In case you don’t have one, you can always skip this step.
    5. Create a strong password – create a unique and strong password that contains 1 number and at least 7 characters.
    6. Create security questions – create secret or security questions to protect your account and keep it safe and secure.

You should also choose three security questions from the options presented to you or come up with your own.

  • Begin using myGov – at this point, your registration has been successful. You’ll see your username displayed on your screen and details about your account will also be emailed to you. You can use either your username or email address when logging in to your myGov account.


Go to account settings and link government services to your myGov account.

How do I set up Centrelink online account?

You need to secure a CRN or customer reference number to link your Centrelink online login to your myGov account. You’ll have a unique CRN if you have been receiving Centrelink benefits.

You can find this distinct number on any past letter you’ve received from Centrelink. You can also find it on your Health Care Card.

If you don’t have a CRN, you may have to ask one from the nearest Centrelink branch in your area.

After setting up your Centrelink online login, you can start linking it to your myGov account. Once that’s done, you can now access various Centrelink services online.

What is an Express Plus Centrelink app?

Thanks to the Express Plus app, you no longer have to log in through a browser when trying to access Centrelink online services. All you need to do is just download the app from Google Play for Android and the App Store for iPhone users.

Always remember that you need to have a myGov account that’s already been linked to Centrelink.

Here’s what you need to know.

  • Download the Express Plus app
  • Follow the instructions to set up your account
  • Login with myGov

Aside from filing claims using the Centrelink apps, you can also:

  • Monitor your claim
  • Check your transaction and payment history
  • Manage your advance payments
  • Download your statements
  • Update or change your contact details

What are Centrelink online services?

Thanks to the internet, many things in life have become easier like doing business online. This includes your transactions using Centrelink. It saves you time and the hassle of having to go to the nearest branch and wait in long lines.

Here are the things you can do online:


  • Claim payments
  • Apply for an advance payment
  • Track your claims
  • Authorise someone to represent you


  • You can request and submit documents
  • Access Centrelink correspondence
  • Keep track of your transactions and payments made to Centrelink
  • Order replacement cards


  • Declare your income
  • Set up reminders
  • Verify that you meet all the requirements

Manage your account

  • BasicsCard
  • Tax deductions and Centrepay
  • Any cash you owe

Update information

  • Update all of your bank and personal details
  • Update your work status
  • Change or view your appointments

Can I borrow money from Centrelink?

Yes, of course! In case you need more funds aside from the government benefits you’re receiving, you can get a Centrelink loan. You can choose from two options:

  1. Centrelink advance payment
  2. Crisis Payment

What do I need to do to get a Centrelink advance payment?

You can easily apply for an advance through the Express Plus app or online. Here are the steps to follow:

  1. Log in through myGov and go to Centrelink online services.
  2. Click on “apply for advance.”
  3. If you meet the necessary requirements, you can choose “get started.”
  4. Follow the instructions to complete the process.
  5. Submit your application when you’re done.

Who can get an advance from Centrelink?

Not everyone can get a Centrelink advance. Plus, the benefit you receive will also determine your eligibility.

If you’re receiving any of the benefits listed below for at least three months, then you can apply for an advance:

  • Youth allowance
  • Wife pension
  • Widow B pension
  • Newstart allowance
  • Farm household allowance
  • Disability support pension
  • Carer payment
  • Age pension

If you are receiving any of these benefits then you can apply for an advance anytime:

  • Mobility allowance
  • Family tax benefit part A
  • Youth allowance
  • Austudy

Unfortunately, there are certain benefits that will make you ineligible to apply for an advance; this also includes those who have received an advance over the last 12 months. If you still have an existing loan from the Australian government, you can’t apply for a loan, as well. Be sure to consult the Department of Human Services for more information.

How does an urgent payment Centrelink work?

An urgent payment also comes by the name crisis payment. However, you need to experience a significant life change in order to be eligible for this type of loan. As its name suggests, urgent payment is a one-off payment that is designed to help consumers who are going through extreme financial hardship.

Unlike an advance payment, an urgent payment is for people who went through an extreme life change. A few examples are:

  • A disaster that does not fall under the Disaster recovery payment
  • Recently getting released from prison
  • Domestic violence

Always remember that you have to get in touch with the Department of Human Services within 7 days after you had an emergency.

How much can I borrow?

The Centrelink benefit that you’re receiving will determine how much you can borrow. To be more specific, the amount you’ll get for a crisis payment amounts to a week’s worth of your current income support payment.

Check out the government’s website for a step-by-step guide.

What is a disaster recovery payment?

A disaster recovery payment or DRP is a one-off payment amounting to $1,000 for adults and $400 for kids. Consumers who have been seriously affected by a major disaster will qualify.

These may include:

  • Overseas terrorism
  • Floods
  • Bushfires

Check out the Department of Human Services page for DRP for further details.

What is a Centrelink online estimator?

You’ll find some tools to help you compare and calculate payments on Centrelink.

One such tool is the Payment and Service Finder, which gives you an estimate of how much you’ll receive. It helps you calculate how much you’ll get for Centrelink, like your allowances, pensions, etc. It’ll also give you an idea of how much you’ll get for childcare assistance and Family Tax Benefit.

Another useful tool is the Compensation Estimator. It helps determine if a certain compensation payment will have an effect on your regular benefit.

There are other tools that you can use. Check them out on the Human Services website.

How can I book a Centrelink appointment?

Call 13 10 21 and schedule an in-person meeting with a Centrelink officer.

Use Centrelink online accounts to manage your appointments. Go to myGov, sign in, and choose personal details from the menu. Choose “manage appointments.”

You can also use the Centrelink app to schedule or manage an appointment. All you need to do are as follows:

  • Log into the app and choose “appointment.”
  • Select reschedule an existing appointment.
  • Change the date and time
  • Click book appointment and hit OK.

Please be on time for your appointment. You’ll have to reschedule the appointment if you’re late or if you miss it. Since Centrelink also has to deal with other appointments, you may have to wait up to 14 days for another appointment.

Don’t forget to bring all the important documents for the appointment. If you don’t, you may have to reschedule another one, which will be very inconvenient on your part.

What do I need to do when disputing a decision?

If you think that a decision is unfair or if you disagree with it, you have the option to dispute it.

However, you need to keep calm at all times. Although you can defend your rights, you should never be aggressive towards any Centrelink staff. There’s a review process that needs to be followed when these situations arise.

Steps when disputing a Centrelink decision?

Talk to Centrelink

If you are not satisfied with something, you need to get in touch with Centrelink right away. This may help you avoid having to go into a formal review and get the quick outcome you need.

Contact the Department of Human Services and inform them about your complaint so they can give you an explanation. This gives the Human Services department to make corrections in case they made a mistake.

If you’re still not satisfied, you can always apply for a formal review.

Formal Review Application

You can apply for a formal review by:

  • Getting in touch with the regular payment line
  • Visiting a local service centre branch
  • Submitting a review of decision form

Check the Review of Decision form here.

Submit the form and all needed requirements online or by mail to:


Reply Paid 7800

Canberra BC ACT 2610

When should I tell Centrelink in case there’s a change in my circumstance?

If there’s any change to your situation, don’t forget to tell the Department of Human Services right away. You should do this even if the change seems to be unimportant for you.

Inform them of any changes. A few good examples are changes in:

  • Part-time employment
  • payment dates
  • address
  • study hours
  • dependents

You can notify them online or through the phone. Be sure to have your CRN handy when you contact them over the phone. Whether you decide to do this online or through the phone, both methods are far easier than visiting a physical branch in your area.

If you fail to inform them, you will be receiving money that you are not eligible for. Because of this, you will be owing a debt to the Government.

What should I do if I was overpaid?

You need to settle your debt if you have been overpaid. If you receive money that you’re not eligible for then you have received an overpayment. This could have resulted from a change in your circumstance, which the government wasn’t made aware of.

You will receive a notification about the debt you owe. The correspondence may be in the form of a letter or email. It will detail how much your debt is, why you owe it, and the repayment deadline.You can use the Express Plus mobile app or your Centrelink online account to repay your debt from the government.

Centrelink Online FAQs

How do I get in touch with Centrelink?

You can contact Centrelink via email, phone, social, or visiting their social branch.

Is there any phone number I can call?

Call 132 307 for all your myGov concerns. There are other numbers for other services that you’re trying to access.

How much do I need to pay when I call Centrelink?

All numbers that start with 1800 are free to call from anywhere in Australia. However, 13 numbers incur a cost, which depends on your phone service provider.

When can I start calling Centrelink phone lines?

You can call Centrelink phone lines from 8 am to 5 pm AEST. However, there are some services that open at a much later time while others are available 24/7.

What If I don’t speak English?

Call the Translating and Interpreting Service or the Multilingual Phone Service from 8am to 5pm during business days if you need to talk to someone who knows how to speak the native tongue.

What could be the reason why my Centrelink online account was suspended?

Some of the reasons why your Centrelink online account was suspended may include failing to comply with the terms of use, engaging in unauthorised transactions, or ineligibility. If you think your account was suspended incorrectly, you should get in touch with Centrelink right away.

Can I get an online loan if I am on Centrelink?

There are some lenders who are willing to approve the loans of consumers who are on Centrelink. However, they have to consider what benefits you’re receiving and what percentage of your total income they could consider.

In case you are unemployed or on Centrelink, make sure to consider the alternatives. Borrowing small amounts isn’t always the answer to your money issues.

Get in touch with the Department of Human Services to find out if you are eligible for an advance of your Centrelink benefits.

Contact your provider if you are unable to pay your water, phone, or electricity bills. Utility providers usually have their own departments that take care of hardship applications. If you are eligible and you’ve been approved for an advance, then you’ll be offered a repayment plan.

Don’t forget to check ASIC’s MoneySmart website. MoneySmart will give you some idea how small amount credit works and provide you with other useful options.

How can Perfect Payday help?

Perfect Payday is a lender-finder service that works by matching consumers with potential credit providers. All you need to do is submit a single application and you may get access to different lenders.

However, bad credit loans may not be the best choice. Short term loans can be quite expensive and it may not be appropriate for your current financial situation. That’s why Perfect Payday suggests that you consider the alternatives listed above.

You should also remember that Perfect Payday doesn’t give any financial advice. It’s better to consult independent counsel before you make any final decisions. Call a financial counselor to find out how the ideas presented on this website can help you out.

Call the National Debt Helpline at 1800 007 007. It doesn’t matter where you’re located in Australia, you can call the number for free.

About the Author

Lucy has over a decade of experience in finance. She is currently the content curator here at Perfect Payday.

View All Posts