How It Works
| Feature | Detail |
|---|---|
| Amount | Varies — typically $250–$500 (depends on your payment type) |
| Interest | None — interest-free |
| Fees | None |
| Repayment | Automatic deductions from your fortnightly payment over 6–13 months |
| How often | Usually once every 12 months |
Who Can Get One
You can get an advance payment if you've been receiving your Centrelink payment for at least 3 months and you can afford the repayment deductions from your fortnightly payment. Available for JobSeeker, Age Pension, DSP, Parenting Payment, Youth Allowance, and most other payments.
How to Apply
Log into myGov → Centrelink → Payments → Advance payment. Or call Services Australia. The advance is usually paid within 1–2 business days.
Better Than a Payday Loan
If you're on Centrelink and need emergency cash, always use an advance payment instead of a payday loan. Payday lenders charge 20%+ in fees. Centrelink advances are completely free. The only downside is reduced fortnightly payments during the repayment period.
Frequently Asked Questions
How much can I get?
Depends on your payment type. Typically $250–$500. The maximum is usually about one instalment of your regular payment.
Does it affect my pension?
Your regular payment is temporarily reduced to repay the advance. The advance itself doesn't affect your income or assets tests.