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About StepUp Loans

StepUp loans are our low-interest, safe and affordable loans.

A community focused initiative of Good Shepherd and National Australia Bank.
StepUp is a low interest loan for people on low incomes who have difficulty accessing credit from a bank. You can borrow from $800 – $3,000 with up to three years to pay it back. There are no fees.

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What can I use this loan for?

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To buy or repair a car

StepUp Loans can be used to buy a second hand car, pay for repairs or registration.

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To pay for medical or dental expenses

StepUp Loans can be used to pay for medical or dental procedures

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To pay for education essentials

StepUp Loans can be used to pay for essentials like books and pens.

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Household items and essentials

StepUp Loans can be used to buy household items like fridges and washing machines.

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Other items as requested

StepUp Loans can be used to pay for education essentials like books and pens.

Find your nearest Provider

StepUp is offered by local community organisations in 38 locations
across Australia.

Am I eligible?

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You are eligible if:

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You have a Health Care Card/Pension Card, or receive Family Tax Benefit A or earn less than $45,000 after tax
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You have lived at your my current or previous address for at least 3 months.
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You can show that you have the capacity to repay the loan.

Safe, Affordable, Low Interest 5.99% p.a. fixed interest rate (Comparison rate 5.99%* p.a.)

*The comparison rate is 5.99% pa. Comparison rates are based on a loan of $2,500 over a term of 2 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

How to Apply


Step 1: Eligibility

To find out if you are eligible for a No Interest Loan, fill out our eligibility form here.


Step 2: Enquiry

To Find your nearest StepUp provider click here


Step 3: Appointment

Make an appointment to meet with your provider


Step 4: Paperwork

Submit your paperwork for you loan application to be assessed.


Step 5: Assessment

Your application will be assessed.


Step 6: Outcome

You will be informed of the outcome of your application by phone or email.

StepUp Loan Repayment Calculator

5.99% interest rate p.a. (Comparison rate* 5.99% p.a.)

Loan Amount Repayments
Term 3 Years Weekly Fortnightly Monthly
$1000 $6.97 $13.88 $30.92
$2000 $13.94 $27.74 $61.83
$3000 $20.93 $41.73 $92.25
Term 2 Years
$1000 $10.14 $20.15 $44.32
$2000 $20.27 $40.29 $89.63
$3000 $30.45 $60.67 $133.95
Term 1 Year
$1000 $19.55 $39.11 $87.06
$2000 $39.34 $78.68 $173.12
$3000 $59.12 $118.25 $258.19


Please Note:
The repayment amounts should be used as an approximate guide only. The specific details of your loan will be provided to you in your loan contract. Lending by NAB is subject to NAB’s lending criteria.

Not sure which loan is for you?

Use our loan comparison tool to find out

What our Clients are saying



StepUp Loan Client

I really wanted a car. I needed it for my independence, so I thought I would get in touch and that’s how I met Julie.

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StepUp Loan Client, Good Money Store, Collingwood

I have everything now. I have freedom. I have my life back…that’s a big change.

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StepUp Loans client, Good Money, Collingwood

StepUp helped me out of a really bad financial situation and to begin a new life with my family

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Emergency relief support

For other emergency relief assistance with food parcels, bills and rent, to find a DSS Emergency Relief service provider near you.

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Useful Resources

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Women and Payday Lending report

Read our latest report about women and payday lending

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