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Financial Assistance

Financial Assistance


No interest and low interest loans are available to help people living on low incomes become financially independent.  They are generally used to finance essential household items (fridges, washing machines, beds etc), second hand cars or medical expenses.


No Interest Loans Scheme (NILS)

The No Interest Loans Scheme (NILS) provides individuals and families on a low income access to safe, fair and affordable credit. NILS loans are generally up to $1,200 and for a single item such as a fridge or a washing machine.

There are:

  • no fees
  • no charges
  • no interest.

For more information please visit Good Shepherd Microfinance.

NILS loans are restricted to the postcode where you live. Anglicare provides NILS loans at Liverpool, Mt Druitt, Nowra and Summer Hill. Visit Good Shepherd Microfinance  for a full listing of all NILS providers for your area. 

Location Phone Number
Liverpool 02 9821 1014
Mt Druitt 02 8805 0900
Nowra 02 4424 7100
Summer Hill 02 9798 1400

Please click on location for more details

StepUP Low Interest Loans

StepUP loans are between $800 to $3,000 financed through NAB.  The current interest rate is 5.99% with three years to repay the loan. StepUP loans require a credit check.  If you think this may be an issue please discuss it with your StepUP worker. StepUP loans are often used for medical and dental care; to repair or purchase cars; vocational training; and house repairs. They are an initiative of Good Shepherd Microfinance in partnership with NAB.

To qualify you will need:

  • a Pension or Health Care Card or access to Family Tax A
  • to have lived at your current address for at least three months.

Your loan will need to be for an approved purpose, it is not paid in cash and cannot be used for debt consolidation. The loan is paid by cheque to the company from whom you are purchasing.

StepUP loans are not restricted to postcodes, but you must be able to travel to a StepUP location for your interview, Click here for more details on StepUp Loans.   A full listing of sites throughout NSW can be found at Good Shepherd Microfinance.

Location Phone Number
Liverpool 02 9821 1014
Mt Druitt 02 8805 0900

Financial Counselling

How can Financial Counselling assist you

  • assess your financial situation
  • give you information about credit and debt issues
  • design a personal money management plan
  • provide options for change, and improvement in your everyday living if appropriate, act as an advocate
  • for you and negotiate with credit providers, government agencies and other business providers, provide information on credit laws, debt recovery process, bankruptcy and other areas of legislation
  • referral to appropriate services.
Location Phone Number
Campbelltown 02 4621 6666
Liverpool 02 9821 1014
Parramatta 02 8805 0900
Bankstown 0401 776 963

Please click on location for more details

What is Financial Counselling?

Financial Counselling is a free community service which assists people who are experiencing financial difficulties with information and options

Who are Financial Counsellors?

Financial Counsellors are qualified staff, who are members of the Financial Counsellors Association of NSW. Financial Counsellors are caring professionals who treat the concerns of the client in a holistic manner, to make a difference to their financial wellbeing.

You can also locate Financial Counsellors in your local area at Financial Counselling Association of NSW (FCAN)

Financial Capability

Financial Capability workers help clients to build skills in budgeting and financial literacy to improve confidence in managing their finances and household expenses. Advocacy and support in areas
such as rental and utility arrears can also be provided. A customised program will be developed to address each individual’s needs with the aim of reducing financial pressure through guided support. Group work is also offered.

Location Phone Number
Bankstown 0401 776 963
Campbelltown 02 4621 6666
Liverpool 02 9821 1014
Parramatta 02 8805 0900

Locations providing Financial Assistance

Anglicare Bondi Junction Office

In addition to providing emergency relief the Anglicare Bondi Junction office offers the Anglicare Art Space program for people facing mental health challenges and administers the Personal Helpers and Mentors Program (PHaMs). PHaMs is for people aged 16 or over who have significant functional limitations resulting from mental illness. It is funded by the Australian Department of Social Services to provide support and case management services.

240 Birrell St
Bondi Junction NSW 2022
(02) 9798 1400

Anglicare Campbelltown Office

Shop 1&2/31-35 Chamberlain Street
Campbelltown NSW 2560
(02) 4621 6666

Anglicare Liverpool Office

58-60 Macquarie St
Liverpool NSW 2170
(02) 9821 1014

Anglicare Mount Druitt Office

For Food and Financial Assistance, Please call 02 8805 0900

91a Kurrajong Avenue
Mount Druitt NSW 2770
(02) 8805 0998

Anglicare Summer Hill Office

Families and young people who are clients of Family and Community Services often have complex needs that require a suite of support options. Lisgar aims to address these needs by providing an individually tailored, accessible and flexible service.  

1 Sloane St
Summer Hill NSW 2130
(02) 9798 1400

Anglicare Wollongong Office

For Counselling please contact: (02) 4228 9612

For Sustainable Living please contact: (02) 4229 7911

152 Keira Street
Wollongong NSW 2500
(02) 4229 7911

Family Services Nowra

  • Counselling – Individual, couple, family, Children & Adolescent
  • Family Dispute Resolution
  • Family Relationship Centre
  • Family Mental Health Support Service
  • Family Work Program
  • Relationship Education
47 West St
Nowra NSW 2541
(02) 4424 7100