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Christmas 2009
Christmas 2009
Counselling service

Financial troubles

A female financial counsellor offering advice

Did you know that financial counselling can help reduce stress? Contact Moneycare to find out more.

In today’s world, financial problems can affect anyone.

The Salvation Army offers a range of support options to help with financial difficulties, depending on the nature of your problems.


The Salvation Army's Moneycare is a free and confidential financial counselling service for people facing financial difficulties or wanting to avoid financial difficulties in the future. Staff are able to help with a range of issues including budgeting, credit, debt and repossession. Find a Moneycare location near you, find out more about Moneycare or visit for calculators and tips to help you make better financial decisions.

You're the Boss

You're the Boss is an uncomplicated money management program designed to be of practical help to people about money issues. The program portrays key messages in an empowering and engaging manner. You can use it individually or we can provide workshops. Download a copy of the You're the Boss booklet here and our brochure in regards to workshops here. The Salvation Army is grateful to Virgin Money for the initial development of the program and to Insurance Australia Group (IAG) for the subsequent redevelopment of the program. We also thank the HI-VIS Group for help with printing and design.

Community Services Centres

Our network of community services centres nationally also provide limited practical assistance for low-income families and individuals who are struggling to make ends meet.

To access support, contact your nearest community services centre and make an appointment. You will be assessed according to need and the resources available at the centre. Please be aware that demand for these services is much greater than our ability to respond.

Community Services assistance may include:

  • Cash/ cheque
  • Food vouchers or parcels
  • Toys and food hampers at Christmas
  • Clothing, furniture and other household items
  • Accommodation
  • Housing costs
  • Electricity, gas, rates and other bills
  • Public transport fares
  • Medical and educational expenses

No Interest Loans Scheme (NILS)

What is NILS about?
The aim of our no interest loan program is to provide loans to people in need on low incomes who are unable to qualify for other affordable loans. The overall aim is to improve the quality of life, health and well being of individuals and families.
No interest loan schemes rely on the repayment of loans to continue to be of service to other members of the community.

How do I qualify?
You need to be on a low income e.g. receive a Centrelink payment, holder of a Health Care card or have a low household income from wages. Exceptional circumstances can be considered.

What can loans be used for?
Loans may be used to purchase essential household and personal capital items e.g.

  • refrigerator/freezer
  • bed/mattress
  • computer
  • washing machines
  • medical and dental equipment or aids or
  • energy efficient appliances.

Loans may also be used to pay for urgently needed matters such as vehicle repairs and medical and dental procedures.

What can’t loans be used for?
Loans cannot be used for the repayment of current bills or debts and cannot be paid to the applicant directly.
They also cannot be used for bond and rent money, rent arrears or living expenses such as food.

For more information call or visit one of the following Salvos NILS Centres below, or download our information brochure.


Outreach NILS services are provided at the following locations:

  • Belconnen
  • Canberra City
  • Gungahlin
  • Woden
  • Tuggeranong
Phone: 0437 723 863

NSW - Metropolitan

Surry Hills
Sydney Streetlevel Mission
Derby Lane (off Albion Street), Surry Hills
Rear of 339 Crown Street, Surry Hills NSW 2010
Phone: 02 9360 1321

NSW - Country/Regional

Glen Innes
Glen Innes Community Welfare Centre & Family Store
Cnr Bourke Street & East Avenue, Glen Innes NSW 2370
02 6732 2542

Gunnedah Salvation Army Corps
'The Hopedale House', 71 Barber Street, Gunnedah NSW 2380
Phone: 02 6742 5383

Salvation Army Family Store
45 Otho Street, Inverell NSW 2360
Phone: 02 6722 3008

Newcastle West
Newcastle Community Welfare Centre
96 Parry Street, Newcastle West NSW 2302
Phone: 02 4929 2300

For more information regarding a No Interest Loan please call the NILS NSW 1800 Freecall Service 1800 509 994