Contact Us

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.

Grandmother and Granddaughter smiling photo

What can I use this loan for?

used car photo

To buy or repair a car

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

dentist and patient photo

To pay for medical or dental expenses

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

woman using a laptop

To pay for education essentials

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

kitchen and kitchen appliances photo

Household items and essentials

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

Books and stationary photo

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?

headshot of a man with shallow background

You are eligible if:

Good Shepard Tick
You have a Health Care Card/Pension Card, or receive Family Tax Benefit A or earn less than $45,000 after tax
Good Shepard Tick
You have lived at your my current or previous address for at least 3 months.
Good Shepard Tick
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

1

Step 1: Eligibility

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

2

Step 2: Enquiry

To Find your nearest StepUp provider click here

3

Step 3: Appointment

Make an appointment to meet with your provider

4

Step 4: Paperwork

Submit your paperwork for you loan application to be assessed.

5

Step 5: Assessment

Your application will be assessed.

6

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

Robert

Robert

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.

No Image Entered
Vaska

Vaska

StepUp Loan Client, Good Money Store, Collingwood

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

No Image Entered
Reza

Reza

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

No Image Entered

Emergency relief support

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

We are here to help

Good Shepherd Logo

About Us

Learn more about Good Shepherd here

Contact icon

Contact Us

Get in touch by phone or email here

Location icon

Locate Us

Find your nearest service provider here

Useful Resources

Good Shepard Contact

Women and Payday Lending report

Read our latest report about women and payday lending

Good Shepard Contact

Our Publications

View our latest resources and publications

Good Shepard Contact

Policy and Advocacy

View our latest policy and advocacy work

Useful resources

Financial Counselling

MoneySmart Budget Planner

Used in our workshops, this can help you set a budget

Financial Counselling

Reduce power bills

These tips can help reduce your power bills

Loans and Insurance

Disaster proof your finances

Be financially prepared if a disaster strikes

Other services you may be interested in

Household Relief

Household Relief

Good Shepherd in collaboration with the Federal Government and NAB are offering Household Relief Loans Without Interest for those affected by the coronavirus pandemic.
Good Insurance

Good Insurance

Good Shepherd offers insurance programs working with Australia’s largest insurance companies to create affordable and simple insurance policies for people on low incomes.
Financial assistance

Financial assistance

Our Family Violence services can help you with financial assistance.
NILs No Interest Loans

NILs No Interest Loans

No Interest Loans (NILs) provides individuals and families on low incomes with access to safe, fair and affordable credit with no fees or interest.
Good Money Stores

Good Money Stores

Good Money community finance stores offer safe, affordable and responsible financial services for people on low incomes.