The Consumer Credit Law Centre is a free legal service specifically for people with consumer credit issues and disputes.
The service provides specialist legal advice regarding repossession, mortgage foreclosure, debtors court, and other issues within the areas of credit, banking, and personal finance.
Appointments can be made by calling (08) 8342 1800; Country Callers please call 1300 886 220.
The Consumer Credit Law Centre is a service of Uniting Communities and is located in Uniting Communities offices in Adelaide, Smithfield and Christies Beach (Open Monday – Friday, 9am- 5pm)
[Many services are responding to the COVID-19 Crisis by changing how they operate and facilitate services for those in need. See more...](https://affordablesa.com.au/programs/money-and-finances/covid-19-changes-to-financial-help-services)
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.
[Services are responding to the COVID-19 Crisis by changing how they operate and facilitate services for those in need. See more...](https://affordablesa.com.au/programs/money-and-finances/covid-19-changes-to-financial-help-services)
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 financial counselling or a referral to a financial 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
Many services are responding to the COVID-19 Crisis by changing how they operate and facilitate services for those in need.
PHONE BASED SERVICES remain open and available for clients. These include Financial Counselling that would normally take many face to face appointments around the state. Most of these resources have now been made available as phone appointments. (To make document presentation easier you may want to download a mobile scanner App if you do not have scanning capability at home. Apps such as Fast scanner, Genius and Tiny Scanner are available from Apple and Google play).
FACE-TO-FACE appointments and contacts have been reduced, cancelled or are managed through social distancing. Most services have put in place an appointment booking system with no walk ins. Information about these services and their operating policies may be updated on the service's website and worth checking before you make an enquiry.
All services will be responding to current health advice and so you can presume that the Governments current Health guidelines will need to be followed. Anyone with health issues as indicated by the health advice should refrain from attending and should indicate this before making appointments. South Australian Governments Social Distancing measures https://www.health.gov.au/resources/publications/coronavirus-covid-19-information-on-social-distancing
If you cannot find a service in the App or Website then it may not be operating through the crisis and has been removed to make it easier to navigate through services that are still operating.
Please be patient with service staff and let us know of any good or bad experiences, changes you think we have missed or ways in which you have managed through this crisis. You can contact us by e-mail email@example.com or drop us a line on social media.
Stay informed, stay safe and if possible stay at home.
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.
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 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.
Speckle is an Australian small lender created by Good Shephard Microfinance and National Australia Bank (NAB) to assist everyday Australians obtain small loans for life's everyday expenses (without the hidden costs).Speckle offers small loans from $200 to $2000 with repayment options ranging from 3 months to 1 year. The repayment options are flexible so you can pay early and as often as you like with no extra fees.
Am I eligible? As a minimum you:
- Must be an Australian citizen or a Permanent Resident residing in Australia
- Must be at least 18 years of age
- Must earn a minimum gross income of $30,000 annually (not inclusive of Centerlink payments)
- Should not receive more than 50% of your total income from Centerlink
- Must have an Australian mobile number and valid email address
For further information call 13 43 23 or visit the website
If you are experiencing financial hardship a loan might not be the answer. Call the Affordable SA Helpline on 1800 025 539 or the National Debt Helpline on 1800 007 007 to speak to a Financial Counsellor to review your options. Financial Counsellors are free, independent and confidential.
'You're the Boss' is Moneycare's own unique financial literacy program, written in easy English.
The program delivers key messages in an engaging style designed to empower participants.
We work on the belief that everyone can manage their own financial affairs, once they are given the information, tools and opportunity.
The program is divided into individual sections such as: Everyday Banking - Paying Bills on Time - Finding the Right Insurance - Looking out for Scams - Sorting Paperwork, and other useful topics.
See the website linked below for more information.
Stay in touch with the Events section of the Affordable SA app for more information about workshops in your area.