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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
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loans for low income individuals

A program that helps low-income Australians get back on financial track by offering services not available in mainstream banking.

The benefits of In-roads

In-roads improves financial wellbeing by helping you manage everyday challenges and life expenses.

  • Offers fair and affordable loans with flexible repayment options
  • Helps build credit rating through repaying a real loan
Loans can be used for:
  • Basic household items such as a fridge or stove
  • Adult education to improve employment prospects
  • A car or repairs so you can get to work


  • Loans of $500 to $3,000
  • Maximum term of 2 years
  • Flexible repayment options
  • Improves credit rating with regular repayments
  • Available Australia-wide


account fees
Application fee - refunded on completion of loan $50


Current interest rate 13.95% pa
Comparison rate* 15.66% pa

terms + conditions

+ View the full terms and conditions

Important information about comparison rates:
* The comparison rates displayed are calculated for unsecured personal loans with a loan amount of $3,000 and a term of 2 years.

WARNING: This comparison rate is true 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.