Financial Inclusion

On this page:
Financial Counselling
No Interest Loan Scheme
Discounts on Fridges and TVs (HEAP)
Emergency Relief


Financial counselling

If you are experiencing difficulties with money, we can help.  If you have any problems understanding your finances; or feel stressed because of overdue bills then please call us. This includes electricity and gas bills; rental arrears; mortgage payments; loans to banks, credit unions and payday lenders; and car or other personal loans. Our financial counsellors can help you with problems with paying bills, rent, loan or credit card repayments, guide you on saving money or sort out the problems with your bank.

This service is FREE and counsellors can advise you on what to do, and advocate on your behalf with banks, lending institutions and creditors.


Appointments can be made on (02) 9798 1700 

You can make face to face or telephone appointment.

If the line is busy then please leave a message on 0434 423 750 or a message on the Metro Assist website, and you will receive a return call the next day.

If you are a service provider and have clients experiencing financial difficulties then please call the below number and we will make a time to talk with your client.


No Interest Loans Scheme

The No Interest Loans Scheme (NILS) is a community-based loans program. People on low incomes can borrow up to $1500 to buy essential household items such as furniture or medical equipment, and pay educational costs. Loans are available for up to $1500 and generally used to purchase one item only. There are no fees, charges, or interest payments.


Home Energy Action Program (HEAP)

You can get a 40-50% discount on a new fridge or TV.  Together with the Office of Environment and Heritage and the Good Guys we offer discounts on selected new energy-efficient fridges and TVs to replace old models. 

NILS loans and HEAP discounts are available for low income earners: \anyone who receives income support from Centrelink, or holds a Centrelink Health Care Card or a Pension Card. Applicants must have lived for at least three months in the Marrickville, Canterbury, Bankstown, Strathfield or Burwood local government areas. They will need to show that they are able and willing to repay the loan.

For more information about NILS or HEAP, or to request a NILS Loan Application Kit, please contact the NILS Officer and make an appointment on 02 9789 3744, or email 



Emergency Relief

Metro Assist provides emergency financial help with the food, utility, opal cards, medical bills and phone bills. Click here for more informaton.


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