Popular services

To enquire about a StepUP loan or to make an appointment, call us on 02 6621 7397,  email stepup@nrcg.org.au or visit our Lismore Community Hub.

StepUP low interest loans

StepUP loans provide access to safe and affordable credit for people living on a low income.

StepUP loans are designed to help people ‘step up’ from the No Interest Loan Scheme, allowing you to borrow more and make repayments over a longer period. They feature a low fixed-interest interest rate of 5.99% and no fees.

How much can I borrow?

You can borrow between $800 and $3,000 for up to 3 years.


StepUP loans are available to individuals and families who:

  • Are living on a low income.
  • Hold a current Health Care Card, Pension Card or can provide an eligible Family Tax Benefit Part A.

We provide loans in partnership with Good Shepherd Microfinance and National Australia Bank.

People taking out a StepUP loan have a direct borrowing relationship with NAB and are mentored by a microfinance worker throughout the loan process and repayment period.

NAB is the product issuer and is subject to NAB’s credit assessment © 2020 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

Many tracks, one road, sustaining community.


Community Gateway is a registered charity and QIP accredited, assessed against the Quality Improvement Council Health and Community Services 7th Edition Standards.


We acknowledge the traditional custodians of the lands on which we work and meet, and offer our respect to their elders, past, present and future.

Send us a message now

9 + 14 =

Copyright © 2020 Northern Rivers Community Gateway. All rights reserved.

Pin It on Pinterest

Share This
Skip to content