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Personal Loans For Centrelink Families

Personal Loans up to $10,000

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Are you on Centrelink and looking for an easy loan? Finding the right lender can be tricky for Centrelink families. Receiving government benefits should not limit your access to financial support. Some lenders will judge your ability to repay without seeing your whole financial situation. That’s where Jacaranda Finance is different. We want to give everyone a fair chance to boost their cash flow when needed the most. Therefore, we encourage everyone to apply for a personal loan. Our application process is quick and easy, you might receive your funds within the same day (if you apply within our business hours and we don’t need any additional documents). At Jacaranda, we highly value transparency! You will know exactly how much you owe, no hidden fees, no additional costs. 

Are there loan options for Centrelink families?

There are multiple options to borrow money if you are receiving Centrelink. What loans you are eligible for depends on what benefits you receive and if you fulfil the criteria. We highly encourage you to do your research and decide what’s best for you. If you are in a difficult financial situation, get in touch with a financial counsellor to receive free help and guidance. The following are examples of loan options for Centrelink families.  

Centrelink Advance Payments  

As a Centrelink customer, you may be eligible for a Centrelink advance payment. If so, you can receive an advance on your Centrelink benefits, that is interest-free and that you repay out of your future Centrelink payments. Eligibility depends on which type of benefits you receive, so not all Centrelink customers may qualify. We encourage you to find out if you are eligible on The Department of Human Services website. 

Small Personal Loans 

Small personal loans at Jacaranda range from $300 to $2,000 and can be repaid over a period of 12 months. These loans are unsecured which means you won’t need a car or house to back it up. Anyone eligible to apply can head to our website, fill in their application and if deemed fit to afford the repayments, can get their loan approved within the same day (if the application is submitted during our business hours and we don’t need any additional documents). 

Are Centrelink families eligible for a personal loan?

Yes, they are. As Centrelink families, it can be hard to get approved for a loan with traditional lenders but Jacaranda Finance is different. We know, money can be tight sometimes, especially when feeding a whole family. Therefore, we want to give everyone a fair shot. That’s why we encourage everyone to apply for a loan for Centrelink customers. We assess if a loan is a good option for you based on suitability and affordability. 

Simply apply online and you can get a response in 60 minutes (if you apply in AEST business hours). Centrelink recipients can apply for a loan with us if you fulfil the following criteria:  

  • You are at least 18 years old; 
  • You are an Australian citizen or a Permanent Resident of Australia;
  • Receive a regular income or Centrelink with at least 90 days of history; 
  • Have an active mobile phone number. 

If you are unsure if you are eligible, send us a message or give us a quick call within our business hours. Our team is happy to help you determine whether a personal loan is the right option for you. 

What is a low income personal loan?

A personal loan can be used for any personal expenses. Especially with a low income, unexpected bills or expenses can add extra stress to your life that you don’t need. Personal loans can be used for anything from fixing your car to paying a medical bill. 

As the name suggests, a low income loan is specifically tailored for someone with low income. Repayments can be arranged so that they fit into your personal budget and won’t break the bank so make your loan affordable for you. We can offer you a loan from $300 to $10,000. Whether you choose to apply for a $5,000 loan or a $10,000 loan, we will assess your application and ensure that the loan is affordable for you.

At Jacaranda, we believe in responsible lending practices. We will give you a fair chance and assess your whole financial situation. However, we will only lend you money that you can afford to repay and we will make sure that you won’t face any bad surprises. All costs, fees and payment dates are stated in your loan contract. 

What to consider when applying for a personal loan for Centrelink families

First of all, you should make sure to search for the best and most suitable option on the market. Make sure that you read into the requirements, not all lenders accept Centrelink families for a loan. Unfortunately, some contracts contain hidden fees and extra costs, make sure you read the small print. At Jacaranda, we won’t hide anything from you. All costs and fees will be stated in your contract, so there won’t be any nasty surprises. If you are on Centrelink or receive a low income, we recommend you to look into no-interest options that you may be eligible for. 

I’ve got a bad credit rating, can I still apply?

Yes, you can. We won’t blame you for financial mistakes you’ve had in the past, and they shouldn’t affect your future either. As responsible lenders, we will perform a credit check. Don’t worry, we can still offer loans to people with bad credit. We also assess suitability and affordability, that’s what we actually care about. So you might still get your personal loan approved, even if you have a bad credit rating. We also offer guarantor personal loans, which may be an option you wish to consider.

What a personal loan can be used for 

Financial difficulties can come in any shape or form but there is a personal loan for every single one of them. We understand that every personal situation is unique and different. If you are not sure if our offers fit your needs, get in touch and discuss your case with someone in our team, we are here to help. 

Vet bills 

Of course, you want to give your beloved pets the best possible care but vet bills can quickly add up and eat into your savings? We understand! A Jacaranda personal loan can help you with vet bills and pet finance


You don’t want to compromise on safety when driving your kids to their after school activities. A small car repair loan might help you fix your car in no time. If you need to register a new car or renew an old rego, a car registration loan might help improve your mobility. 

Your Bond 

Finding a new home for you and your family can be stressful enough. Paying that extra cash for a bond shouldn’t add extra pressure for you and your loved ones. A rental bond loan might be a good solution for your struggles. 

Medical bills 

If one of your kids is sick and needs to see a doctor, their health is a large priority. Our same day loans for medical bills allow you to look after yourself and your children even when money is tight. 


You’ve been waiting to marry your high school sweetheart for a while but you’re missing the extra cash to pay for your dream wedding? If you can’t wait any longer a wedding loan will help you make your dream come true. 

Education costs 

Sometimes, class trips or extra tutoring can be expensive. At Jacaranda, we can cover costs from $300 to &10,000 with our personal loans. The application is 100% online, you can easily apply from home. 

Rental arrears

Have you found yourself in rental arrears? We offer rent arrears loans to help you get back on your feet. 

How Jacaranda Finance can help?

Jacaranda Finance is an online lender with the mission to make loans accessible for as many people as possible. Our application process is super fast and very easy. Most people submit their application only within a few minutes. We know everyone experiences short-term financial hardships, that’s what a small personal loan is for. We also understand that money is tight when receiving government benefits. Therefore, we make sure that our costs and fees are stated transparently – no hidden fees, no early exit costs. 

We may be online but we are only a screen away. If you need help with your application process or are unsure if a personal loan is suitable for your situation, send us a message or give us a quick call (300 189 823), our team is happy to help. 

How does the application work?

We won’t waste your time. Our application process is one of the fastest out there and extremely easy. Simply follow the steps to submit your application. 

STEP ONE: Fill in the application form. 

Applying for a loan has never been this easy. Firstly, scroll up to the top of this page to find our loan calculator. Select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’ You will then be taken to the online application. Here you’ll be asked for: 

  • Your personal information (name, address, date of birth)
  • The login details for your online banking account;
  • Your reason for applying;
  • If you receive Centrelink, we will need our MyGov details;
  • Otherwise, we need details about your current workplace and relevant employment info. 

After you’ve filled out your application, simply hit submit!

STEP TWO: We assess your application. 

Once you hit submit, we will assess your application. We look at your financial situation from all angles to understand the bigger picture. You will hear from us if we need any supporting documents or can’t make sense of anything in your form. If we’ve got everything we need, you might get a response within 60 minutes (if you apply within the business hours). 

STEP THREE: Receive your transaction. 

After approval, we will send you a digital version of your loan contract. We suggest thoroughly reading over this to make yourself aware of any fees or charges for late or missed payments. Once we have received the signed contract, we will send you the money with our next round of banking. If your bank allows instant banking, you can receive your money in as little as 60 seconds. 

How to contact someone from Jacaranda Finance?

If you have any further questions or struggle with your application, don’t hesitate to get in touch. Drop us a message or call one of our specialists during our business hours using 1300 189 823. 

Our business hours are: 

Monday to Thursday: 8 am – 6 pm
Friday: 8 am – 4 pm
Saturday: 8 am-12 pm

Are you ready to apply?

If you have no further questions, what are you waiting for? (But if you do, definitely get in touch!) You can apply anytime, anywhere, that’s the beauty of online applications. Our small personal loans are fair, transparent and fast. We encourage all Centrelink families to apply if you meet the requirements.

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Reviews current as of June, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 8.69% (12.05% p.a. Comparison Rate)

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We never charge early repayment or exit fees.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.