Centrelink in Australia primarily offers advance payments rather than traditional loans. These advances allow eligible recipients of certain Centrelink payments to access a portion of their future benefits early. It's important to note that while some external lenders might market "Centrelink loans," these are generally personal loans offered by private financial institutions to individuals who may be receiving Centrelink benefits as their primary source of income. These loans from external lenders will have their own eligibility criteria, interest rates, fees, and repayment terms, which are separate from Centrelink's advance payment system. Centrelink does not directly endorse or guarantee these external loans.

If you are considering financial assistance while receiving Centrelink payments, it's advisable to first explore your eligibility for a Centrelink advance payment.  If you are a student, investigate the Student Start-Up Loan. For other financial needs, carefully research and compare any offers from external lenders. You can also explore options like the No Interest Loans Scheme (NILS) offered by Good Shepherd for essential goods and services.