Financial counselling is a free, independent and confidential service offering support, information and advocacy to anyone experiencing financial hardship.
A Financial Counsellor will look at your overall financial situation and provide you with your options. They can advocate and negotiate on your behalf if needed.
A Financial Counsellor cannot provide investment advice, financial planning, or monetary assistance.
Financial counselling is offered by a range of service providers throughout South Australia via an appointment based service. See locations below for providers in your area.
Alternatively, you can call the National Debt Helpline on 1800 007 007 for telephone counselling or a personal referral to a counsellor in your area.
The Helpline Service is available from Monday to Thursday between the hours of 9.30am - 8pm and Fridays 9.30am - 4.30pm (closed public holidays).
Issues a Financial Counsellor can assist with include:
- Financial rights and responsibilities
- Budgeting and money management
- Applications for hardship
- Debts and debt recovery processes
- Concessions and related entitlements
- Referrals to complementary services
- Insolvency and bankruptcy options
What Is NILS?
The No Interest Loan Scheme (NILS) provides safe, fair and affordable loans to people on low incomes.
Loan amounts are between $300 – $1,500 and attract no interest, fees or charges. Repayments are set up at an affordable amount over 12 – 18 months.
WHAT ARE THE LOANS FOR?
Loans are for essential goods and services only and cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills.
These may include
- Household items like fridges, washing machines, stoves, dryers, freezers and furniture
- Some medical and dental services
- Education essentials such as computers and text books
- Car and Household Repairs
- Some other item as requested
DO I QUALIFY FOR NILS?
To qualify you must:
- Be on a low income / hold a concession card
- Reside in your current premises for more than 3 months
- Show a willingness and capacity to repay loan
For more information about how to apply for a loan, contact NILS 13 64 57 or the Affordable SA Helpline 1800 025 539.
StepUP provides low interest loans to people on low incomes through community providers across many parts of Australia.
StepUp offers loans of between $800 and $3000 for personal or houseold purposes such as:
- Household itmes including fridges, washing machines and furniture.
- Medical and Dental expenses
- House repairs
- Car repairs
Interest is charged at a fixed low rate, and loans can be repaid over three years. No fees apply.
Relationships Australia provides a range of free financial counselling services and support to anyone affected by problem gambling.
Gambling becomes a problem if someone spends more time or money than they can afford to, or if it is having a negative impact on their relationships.
Please contact the office nearest you using the links below to speak to a counsellor or make an appointment.
MoneySmart is an initiative of the Australian Securities & Investments Commission (ASIC). The website assists people with managing their money and finances by offering tips & tools to help you make the most of your money.
If you hold a Concession Card you may be eligible for an Australia Post Concession Account. This will entitle you to up to 50 stamps per year at a reduced price of 60c each
You can download an application form from the link provided or visit your local Australia Post for further information.
For South Australians needing advice or assistance with managing the cost of living or budgeting. The Helpline provides information, advice and referrals to appropriate services such as financial counselling, case work, advocacy or community education.
The Helpline Service is available from Monday to Thursdays between the hours of 9.30am and 8pm and Fridays 9.30am and 4.30pm (except Public Holidays). To access information, support, or referrals, call the Helpline on the number provided.
People who have recently experienced the death of a friend or family member and who cannot raise the funds for a funeral, after all options have been tried, may be eligible to receive a dignified funeral through Funeral AssistanceSA.
To be eligible, you must prove all of the following:
- The deceased was a South Australian resident.
- The deceased was in receipt of a pension or benefit or was a low income recipient.
- The deceased's estate and death benefits are estimated to be valued at less than $3,000 when liquidated (including property and shares).
- The deceased's immediate relatives are not in paid employment or are low income recipients.
- The deceased's immediate relatives have insufficient assets to cover the costs of funeral expenses (less than $3,000 of accessible funds).
The funeral must not yet have been arranged or, where a grant is sought after the event, the account must be moderate and not yet fully paid.
The funeral provided is normally a cremation service, except in certain cultural circumstances. If the requirements are for a burial, families may elect to pay the difference between a cremation and a burial.
The income, assets and liabilities of the deceased and their immediate relatives are taken into account when assessing eligibility for assistance through this program.
For further information call 1300 762 577 or visit the website
If your having problems with debt, your starting point should be the National Debt Helpline 1800 007 007.
In a nutshell, financial counselling helps you manage your debts and get your finances back under control.
Get advice about
- Your financial situation, to help you fully understand your position.
- How to prioritise your debts
- The pros and cons of the options that might work for you in addressing your debts (for example, repayment of loans, negotiating with creditors, bankruptcy and so on. There are always options.
- Your rights and responsibilities around credit and debt
- How to access other services you may need, such as legal services, crisis food and accommodation services, and health services.
Financial counselling is free, confidential and independent. The National Deb Helpline is a not-for-profit, community based service that's available to people in Australia experiencing financial difficulty.