External Support Services

two individuals having financial counselling

 Estimated read time: 1 Minute

In addition to speaking to us, there are government and community services you may find helpful if you need financial support.

You can speak to us to discuss your financial situation for free.  You may also want to speak to an independent financial counsellor who provides free and confidential services.

Who are financial counsellors and what do they do?

According to MoneySmart, financial counsellors are skilled professionals who provide advice and support to people struggling with bills and debt. A financial counsellor can:

  • assess your financial situation
  • provide advice about what to do if you're struggling to pay bills and fines
  • help you negotiate with government agencies, your landlord, utilities, telcos, and other creditors
  • assist you if you're being harassed by debt collectors
  • refer you to other services you might need, such as legal, accommodation, health and crisis services

How do I get in touch with a financial counsellor?

State and Territory financial counsellors

Australian Capital Territory
Care Financial Counselling Service 
1800 007 007
www.carefcs.org
New South Wales
Financial Counsellors Association of NSW 
1300 914 408 
www.fcan.com.au
Northern Territory
Anglicare Northern Territory Financial Counselling Service 
08 8985 0000 
www.anglicare-nt.org.au
Queensland
Financial Counselling Association of Queensland 
1800 007 007 
www.fcaq.com.au
South Australia
Uniting SA 
08 8440 2200 
www.unitingsa.com.au
Tasmania
Anglicare Financial Counselling Service 
1800 243 232 
www.anglicare-tas.org.au 
Victoria
Anglicare Financial Counselling Service 
1800 809 722 
www.anglicarevic.org.au
Western Australia
Financial Counsellor’s Association of Western Australia 
1800 007 007
www.financialcounsellors.org

Other external services that may be useful for your situation

National

ASIC’s Money Smart website
1300 300 630 
www.moneysmart.gov.au

Providing you with tools to help you manage your money, plan, invest or pay off debt.

National Debt Hotline

1800 00 007

Offers independent free and confidential services from professional financial counsellors to help you with your financial situation.

Domestic and family violence

1800RESPECT (1800 737 732)

Confidential telephone and online counselling for people impacted by domestic, family or sexual violence. 

Mental health
Lifeline 13 11 14
Contact Pepper Money

Financial Support

Need help with your repayments? Let us know sooner rather than later.

Calling from overseas? +61 2 7227 1517

Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

All applications for credit are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. 

The results of the borrowing power calculator are based on information you have provided and is to be used as a guide only. The output of the calculator is subject to the assumptions provided in the calculator (see 'about this calculator') and are subject to change. It does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it. The interest rates do not reflect true interest rates and the formula used for the purpose of calculating estimated borrowing power is based on the assumption that interest rates remain constant for the chosen loan term. Your borrowing power amount will be different if a full application is submitted and we complete responsible lending assessment. The results in the calculator do not take into account loan setup or establishment fees nor government, statutory or lenders fees, which may be applicable from time to time. Calculator by Widgetworks.

Pepper Money Personal Loans is a brand of Pepper Money Limited. Credit is provided by Now Finance Group Pty Ltd, Australian Credit Licence Number 425142 as agent for NF Finco 2 Pty Limited ACN 164 213 030. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper’s Privacy Policy & the credit provider’s Privacy Policy.

Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647. Pepper Asset Finance Pty Limited ACN 165 183 317 Australian Credit Licence 458899 is the credit provider for asset finance loans.

Pepper and the Pepper Money logo are registered trademarks of Pepper Group Assets (Australia) Pty Limited and are used under licence.

Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.