1300 CSBANK (1300 272 265)

In-roads loans

In-roads is a Community Sector Banking initiative helping people get back on their feet by offering them access to financial services not available in mainstream banking. Backed by Bendigo Bank, In-roads was created to help with the everyday challenges of life and manage day-to-day expenses; improving financial wellbeing.

 download our In-roads brochure

  • loans for low income individuals
  • eligibility
  • faq
  • apply
  • useful resources


If you are having difficulty qualifying for a regular loan and you meet our eligibility criteria, get in touch with us to apply for an In-roads loan:


Call 1300 IN-ROAD (1300 467 623) to discuss.


We will send you an application pack.


Once you have returned your documents, we’ll assess your loan application.


If successful, your loan is paid directly to the goods/service provider.


Your ongoing loan repayments are scheduled.


warningWarning about borrowing

Do you really need a loan today?* It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  1. For information about other options for managing bills and debts, ring the MoneySmart hotline on 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  2. Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  3. If you are on government benefits, ask if you can receive an advance from Centrelink: phone 13 17 94.

The government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.