Centrelink Benefits | A Guide to Centrelink Income Support

Centrelink Benefits 101 – Guide to Centrelink Income Support

Centrelink benefits – let’s take a look at everything you need to know about Centrelink income support. Find out what Centrelink benefits you might be eligible to receive here!

Here are some of the Centrelink benefits available


Family tax benefit

There are two different types of family tax Centrelink benefits. You’ll know them as payments A and B. Family Tax Benefit A is paid based on how many children you have. On the other hand, Family Tax Benefit B is for single parents, non-parent guardians/carers, and couples with only one main source of income.

As a requirement to be approved for the family tax benefit part A supplement and child care benefit, your child needs to meet the immunisation requirements. An income test will also be required to determine what your family is eligible to receive.

Parental leave pay

This is a short-term payment if you need to take time off work to care for your new child. Although, to be eligible for this type of payment you must have been working for 10 consecutive months in the 13-months before the birth of your child. However, this is not required to be full-time work. You can receive up to $695 per month for up to 18 weeks with this type of payment.

Dad and partner pay

You must meet certain criteria to be eligible to receive Dad and partner Centrelink benefits. For instance, you need to be either the father of the child, the partner of the birth mother, the adoptive parent, partner of the adoptive parent or person caring for a child – born from a surrogacy arrangement. You can receive a maximum of 2 weeks of paid leave for a period of up to 2 weeks.

Child care benefit

This is one of the Centrelink benefits that is meant to assist with the payment of childcare costs. For this type of Centrelink benefit, your child must be attending a registered and approved child care centre. In addition, you must be the person responsible for paying the fees of your child. Your child must also be immunised.   

Parenting payment

This is a payment meant for those who are the main carers of your young child. To be eligible for this type of payment, you must be under the income and assets test. In addition, the child must be under the age of 8 if you are a single parent. If you are in a couple the child must be under the age of 6.

Separated parents

Child support assessment

These Centrelink benefits are related to parents who are separated. It allows you to calculate how much support payments you either need to pay or receive from the other partner. These can help pay your debt.

Job seekers

Newstart allowance

This type of income support is meant for those who are unemployed and looking for work. To receive this type of payment you must be at least 22 years of age and under the pension age of 65. Consequently, you also need to be unemployed and be under the income and asset’s test.

Youth allowance

This Centrelink benefit is meant for those between the age of 16 and 21 if you are looking for full-time work.

Parenting allowance

As mentioned above, this type of allowance is for the main carer of a young child. It also another type of job seeker income support for those with children.

Older Australians

Age pension

For older Australians, they are eligible to receive a pension when they are over the pension age. However, they also must be under the income and assets test, and an Australian resident or have been an Australian resident for at least 10 years.

People with a disability

Sickness allowance

This type of income support is for those who are temporarily unable to work due to a medical condition. In addition, they must also be 22 years of age or older, under the pension age, and under the income and assets test. As a result, you will be required to provide a medical certificate from your doctor explaining your condition and must have work or study to return to when you get better.

Disability support pension

This type of pension is for those who are between the age of 16 and the pension age, who have a permanent medical condition that stops them from working. They must also meet the residency requirements and be under the income and assets test.

Students and trainees

Youth allowance

While youth allowance can be a type of income support for young job seekers, it is also a form of income support for students studying full time. Though they must be between the age of 18 and 24. Alternatively, young apprentices doing a full-time apprenticeship can be between the ages of 16 and 24.


This is a type of income support for those studying full time and over the age of 25. Though, to receive this type of Centrelink benefit you, must be studying at an approved course or institution and be the income and assets test.


This type of study allowance is for Aboriginal or Torres Strait Islanders who are studying at an approved course or institution. Though, to receive this type of payment you will first have to take an income and assets test and do an independence test. As a result, the independence test will determine how much you need to get paid.

Migrants, refugees and visitors

Status resolution support services (SRSS)

These Centrelink benefits are payments to help with basic living costs if you are currently in Australia and waiting to receive a decision about your immigration status. Therefore, your situation will be assessed by the department of immigration and border protection to decide whether you are eligible.   

Other payments that migrants may be eligible to receive are age pension, Newstart allowance, disability support pension, carer payment, parenting payment if you meet the eligibility requirements.


Carer payment

This is a support payment you are eligible to receive if you give constant care to somebody who has a severe disability, illness, or to a frail and old adult. To be eligible for this type of Centrelink payment you must be under the pension income and assets test will need to be cared for, for at least 6 months or the rest of their life.

Carer allowance

This is an additional fortnightly payment if you need to give daily additional care to some who has a disability, serious illness or is frail and old.

Rural and remote Australians

Farm household allowance

This type of payment is for a farmer who spends a large part of his time and capital working on the farm. Though, it can alternatively be the payment for the partner of the farmer. This type of Centrelink is meant to help pay for bills and to help with your financial circumstances.

Farm households are also eligible to receive other types of payments like age pension, Newstart allowance, carer allowance, youth allowance, ABSTUDY if they meet all the requirements.

Indigenous Australians

For indigenous Australians, there are several payments they are eligible to receive including ABSTUDY, parenting payment, Newstart allowance, disability support pension, carer allowance, age pension. Indigenous Australians are eligible to receive either type of payment if they meet the eligibility requirements outlined for each type of payment.

Help in an Emergency

Finally, Centrelink also provides payments for those who need help in an emergency. This can either be from a natural disaster or for victims of terrorism overseas.  

Tropical cyclone Debbie March 2017

People who were impacted by Tropical Cyclone Debbie in March 2017 are eligible to receive assistance from Centrelink.

Assistance for victims of terrorism overseas

Those who have been victims of acts of terrorism overseas are also eligible for this type of Centrelink benefit.

If you’re struggling with Centrelink debt, Nifty has the tips you need.

Who is Nifty?

Nifty is an online private lender helping Aussies to get a fair go at finance. Find out more about us and what we’re about.

Does Nifty do loans for people on Centrelink? 

At Nifty, we don’t automatically discount applicants who are receiving Centrelink benefits. Our team will focus on whether or not you have the capacity to repay a personal loan. We may take a look at your bank statements to assess spending habits, income, and existing financial commitments to determine whether or not a personal loan is an appropriate financial decision. If you’re unsure as to whether or not you could be approved we recommend you go ahead and submit an application so our team can conduct a proper assessment. Keep in mind that we will need to see 3 months of banking history as well as assessing what percentage of your income is drawn from Centrelink payments. You can contact the Nifty team if you’ve got questions!

How much does an application cost?

Absolutely nothing! A personal loan application is cost-free when you apply with Nifty Loans. We won’t charge you a cent to assess your loan application, even if you are a Centrelink recipient. Remember if you submit your application during AEST business hours, our team could have an outcome for you in just 60 minutes! You will, however, need to meet a few simple application criteria. 

Who can apply?

As you’ve probably already realised, we like to keep things pretty simple here at Nifty and that includes our application criteria. All applicants must: 

  • Be over the age of 18;
  • Have received some type of regular income for the last 90 days into a bank account that is your own;
  • Have an active mobile phone number and email address that we can contact you on; 
  • Have internet banking must be set up.

Will I need to complete paper forms? 

Nope! Nifty doesn’t do paper forms at all. We will, however, need you to submit a few important documents online. Here’s what we recommend you have handy:

  • Personal details like your online banking & employment info; 
  • An active email address and mobile number;
  • The reason you are applying for the loan; 
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer contact details.

Want to know what to do about bad credit? You can improve your credit score in the long term with these easy tips and tricks! 


Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
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Monthly Fee $0
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Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.