Where there's a will there's a way with Affordable SA

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26 March, 2020

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As South Australia steps into the next phase of our COVID-19 response many of us head indoors to separate ourselves from our work colleagues and many more head for the unemployment phone cues wondering how they will manage.

Charities are now scrambling to maintain some degree of help for those in need as well as keep their staff safe. Reinventing themselves almost every day as each new phase hits the state.

Affordable SA is now focused on providing as much up to date information about those services that are remaining open or have restricted services. We are updating the App and Website information constantly so that users are not frustrated by investigating services that can not help.

This means that many services will temporarily disappear from Affordable SA as they close their doors and cannot assist people in need. Many others will re-emerge as they find new ways of providing help in a safe manner for both their clients and their employees. Our aim is not to send people looking for assistance down a dead end.

If you're having problems managing cost of living issues turn to the Affordable SA App, Website or ring the Affordable SA Helpline 1800 025 539.

We're locals too and we are focused on South Australia and South Australians.

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Pay Day Loans during a Pandemic

Unscrupulous Pay Day Lenders have been caught out using the current global pandemic to market their products.

With many Australian’s facing ongoing financial uncertainty, some day pay day lenders have come to the party offering quick, short term loans to ease the financial stress brought on by COVID-19.

As a financial counsellor, this makes my skin crawl.

Along with paying back the original amount, pay day lenders also charge high interest rates, lender’s fees, defer payment fees, default fees, etc.

Within my role, I have seen pay day loans snowball into more than triple the amount originally borrowed.

If you are struggling financially and you need funds to pay for an expense, there are alternative options available.

Other options include:

- [NILS (No Interest Loan)](https://www.affordablesa.com.au/programs/money-and-finances/no-interest-loans-scheme-nils)

- [Speckle Loan](https://www.affordablesa.com.au/programs/money-and-finances/speckle-loans)

- [Step Up Loan](https://www.affordablesa.com.au/programs/money-and-finances/stepup-loan)

- [Household Relief Loan](https://www.affordablesa.com.au/programs/money-and-finances/household-relief)

If you are struggling to afford essential living expenses, it may also be worthwhile booking an appointment with a financial counselor to discuss your options. To book a free appointment, call the Affordable SA Helpline on 1800 025 359 or search for [Financial Counselling](https://www.affordablesa.com.au/programs/money-and-finances/financial-counselling-services) at the Affordable SA website.

For more information about how pay day lenders are targeting vulnerable Australians, see the attached article from ABC news.

By [Sam](https://www.affordablesa.com.au/team/sam)

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