Fast 3 to 36
month online loans

How Much Do You Need?


Guaranteed Approval Centrelink Loans

$50 to $5,000 paid out by 15:54 *


100% No obligation loan quote


Get your cash in 15 minutes once accepted*


We don’t credit check or charge any fees†


Guaranteed Approval Centrelink Loans

There are a number of Australians who have received loan proceeds even though they have Centrelink accounts. There are some lenders who consider your financial standing despite being a Centrelink beneficiary and you can apply for up to $10,000. Once approved this is directly deposited into your account. Normal payment range can reach between 16 days to a year. Of course that will be detailed in your contract or agreement. Below is an explanation of how this is processed for loans to payday:

Here at ACDS, we work with lenders that take Centrelink into consideration. The benefits that you get from it may be able to cover the loan you are applying for and this makes you capable of doing your repayments on time. There are three kinds of loans that we offer for those who are in Centrelink:

A small unsecured loan amount, $300 up to $2,000 for the loan term.

A medium secured loan amount, $2,001 to $4,600 for the loan term.

A large secured loan amount, $5,000 to $10,000 for the loan term.

If you have loan needs of whatever it may be, you can always come to ACDS and arrange a lender who can be the right fit for you or even a number of lenders where you can pick on the best payment scheme that you can avail of. However please note that there is no such thing as a Guaranteed Approval Centrelink loan.

What are Centrelink Loans?

A Centrelink loan is a personal loan wherein you indicate in your application one source of your income is through Centrelink. The good thing about having Centrelink benefits if you can avail of a loan with the aid of the right lender but they are not always guaranteed.

The process of applying for a loan with Centrelink benefits is stated below.

Curious to find out how it all goes? Below you will find the steps on how it’s done.

Guaranteed Approval Centrelink Loans

Check for eligibility

The applicant needs to be legally adult or 18 years old and beyond, there should be an account where your income gets deposited into for the last 3 months, and lastly you have to be an Australian resident. Contact details have to be submitted together with the application details.

Online Application

Your instant loan application is secured as it goes through our process. Right after it gets sent to a network of lenders that we know can provide you with a good arrangement in your loan despite being on Centrelink benefits.

Attach an asset for collateral purposes (loans for $2,000 and over)

For loans that go over $2,000 you may be asked to provide an asset for collateral for the purpose of security.

Get approved in an hour

When your application has been given the approved stamp, you will be advised right away either through call or text and with the use of the bank account you have provided on the onset of the application, the funds can get deposited onto your account right away.

Loans for People on Centrelink Income

One way or another there will be a trigger that would make you want to look up for loan applications and their types. But you don’t have to worry in case that does come up as ACDS have lender-finding service that will provide you with a list of lenders and their options for you to pick from.

What are Loans on Centrelink?

When a loan is based on Centrelink, it is similar to a cash advance loan or salary loan where the repayment term is not that long and appropriate fees are attached to it. The low income cash loan is not that much and does not take long to be repaid. It can be set to have a similar debit date as your salary date.

What are Loans to Payday?

Loans to Payday is a loan you get to get you by from one paycheck to the next paycheck or in between paychecks. It’s short term so repayment periods are quick. It can be named as short term loans, cash advance or quick cash loans. Centrelink beneficiaries can take advantage of this loan though not at all times.

Loans on Centrelink Income

If you require a quick cash loan or a loan to payday, it will not matter if you are getting regular benefits from Centrelink, we at ACDS will gather up our network of lenders to see that you avail of that loan you need. You would be able to pay that electric bill on time or any utilities whose bills need to be settled and will no longer stress yourself on these small matters.

Most people who are on an average lifestyle get to go through unexpected financial situations too. This is when we tend to think or search on where to go or how to find funding for the sudden and immediate need of money for payment. Wouldn’t it be good if we constantly have our family to approach and ask them to cover certain expenses for you? Chances are they might have them too, especially those who are older or have little kids of their own. Luckily there are a number of lenders in Australia that can assist you wherever you may be, always ready to receive your application and, if it is approved, send you your money right away,

Centrelink Loans to Payday

Loans to payday is a short-term loan that is unsecured. This is similar to paycheck loans, quick cash loans and they can handle your repayments via Centralink

Apply for a Centrelink Loan

The good thing with applying a loan through Centrelink is if you need advice, you can always consult a potential lender to know and understand the expenses that can be computed on the amount that you will borrow and if it is worth continuing. They can check with you and your situation prior to you sending in your application. You can also listen in to their suggestions on how you can prepare yourself and your finances so that you get higher chances of approval. The best thing to do in this is to read through all the terms and conditions and steer clear from any emotional decisions in relation to these types of loans.

More details about Centrelink Loans

Centrelink loans is a type of loan wherein you can borrow money even if you have low income and receive Centrelink benefits because of your low income. It can be possible for you to qualify for a payday loan but this depends if the lender processing on your application accepts Centrelink as income. You can apply for a cash loan for bad credit and be on Centrelink.

Those who have low income and are Centrelink beneficiaries may possibly be considered by lenders for a Centrelink loan. When you apply, tell the lender your details and provide the needed requirements as you may be qualified for a payday loan but you would want a Centrelink loan initially. Not all lenders accept Centrelink as an income source thus you may be better off with other loan options like cash loan for bad credit for example. Still you can submit an application for a Centrelink loan then you might get approved.

Centrelink or Centrelink Master Program is under Australia’s Department of Human Services as one of its programs. What its purpose is to provide financial assistance to Australian’s coming from different paths of society. The benefits provided aim to target those people with lower income and help them transition into better financial states. The beneficiaries include the unemployed, retirees, and families who are financially struggling as well as disabled people and indigenous Australians also benefit from this program.

There are instances, due to difficulty of getting daily needs when they would need extra cash. Those who are even on Centrelink benefits, may even find these circumstances difficult. These people that have lower income and are in dire need immediate cash, have higher chances of disapproval. Being in this position leaves you with not many choices.

Centrelink Online FAQs

How do I get in touch with Centrelink?

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

Why would my Centrelink account be possibly suspended?

Some of the possible reasons why a Centrelink online application account got suspended could be due to failure to comply with the terms of use, getting into unauthorised transactions, or not being eligible. You could check and confirm with Centrelink if you think that your account has been suspended.

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

Part of what lenders consider in approving a Centrelink loan application are the benefits you are receiving and year end income. If they find that you qualify then your application may get approved.

If you happen to be unemployed and receiving Centrelink benefits and you think solving your financial need is through a Centrelink loan, you can pick on other loan types to choose from, there are other loan programs that you may qualify other than Centrelink loans.

You can check with the Department of Human Services to check if you qualify for an advance of your Centrelink benefits.

Are there such a thing as guaranteed approval centrelink loans

Unfortunately not, there is no such thing as lenders will base their decision on your credit score and a number of other factors, of course if you meet them then a loan can be issued.

How can ACDS help?

ACDS is a service that networks lenders and works by matching consumers with potential credit providers. Just send in your application and we will connect you with the right type of lender for your need,

Bad credit loans may not work for you and short term loans may even compromise you more due to the added fees, especially with the fact that you’re on Centrelink benefits. Consider checking other options that may actually help you, come to ACDS and let us help set you up with the right lender that will truly fit your needs. (Credit Representative Number – 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).

ACDS is not a lender and does not make credit decisions. ACDS matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

Consumer Advisory: ACDS is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.