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Getting help when you’re in need of cash in a hurry

Contact your utility provider for help

Utility providers around Australia have systems in place to help customers in hardship who are having trouble paying their bills.

Search for your energy provider and the keyword “hardship policy”, for convenience here are links to the most popular utility providers:

You may also be eligible for a utility bill rebate or voucher, see this page for more details.

Get a no interest loan

If you are on a low income, you may qualify for a no, or low interest loan.  You can use a NILS loan to help you pay for essential items such as whitegoods or certain health items and car repairs.  Learn more at the Good Shepherd Microfinance NILS website.

If you are feeling overwhelmed – don’t go it alone

Feeling stressed and anxious about your finances can take its toll on your health and wellbeing.  If you’re in this situation – you’re not alone – help is a phone call away:

  • You can search for a financial counsellor on the Financial Counsellors Australia website.  Simply enter your postcode and you will be provided with a list of counsellors near you.
  • If you are struggling with debt, The National Debt Helpline has been designed to help you work through your debt problems: “You might feel overwhelmed, but you have options and there are steps you can take yourself. But if you feel you need a bit more guidance or need help quickly, simply call us.”
  • The MoneySmart website has a handy list of contacts for emotional support and practical advice.

Short term loans and alternatives

Short term loans are not for everyone, see this page for a summary of all  your options including loan calculators.  Lower cost loans are also available from providers such as Speckle and StepUP.

Frollo is your financial companion through difficult times

And remember, Frollo is designed to help people like you get their finances under control and build towards a brighter future.  We have made it easy to get automated insights and tips on how to save and get ahead.  Use our automated budget wizard to understand your spending in less than 2 minutes and set yourself a challenge today to get into better money habits.  It’s easy, fast and secure!

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