Mary MacKillop Today StepUP Loans

StepUP Loans

A StepUP Loan is a low interest loan for people on low incomes who have difficulty accessing credit from a bank.

Loan Details:

  • Borrow between $800 – $3,000
  • No fees and low interest at 5.99% p.a. (Comparison rate* 5.99% p.a.)
  • Repay over a set term of up to 3 years
  • A credit check is required

Mary MacKillop Today’s Financial Inclusion Officers will help you to collect the documents you need, complete the application and help make sure that you can afford to repay your loan. Loans can be held in individual or joint names.

These loans are to help people to improve their quality of life and are provided on a not-for-profit basis by NAB.

Who can apply?


  • You have a Health Care Card/Pension Card, or receive Family Tax Benefit A
  • You have resided at your present home for more than 3 months

Other eligibility criteria, such as ability to make repayments and securing a credit check will be discussed with a Mary MacKillop Today’s Financial Inclusion Officer, when you enquire.

What can you use a StepUP Loan for?

Loans CAN’T be used for:

Below is a table showing an example comparison between NILS, StepUP and other loan providers. This is only a guide, please speak to our Financial Inclusion Officers if you have any questions – click the table to enlarge.. (Figures are correct as of August 2018 and taken from advertised Rent to Buy and Pay Lenders websites and calculated with Money Smart Calculators).

If you’d like to apply call: (02) 6331 2010 between 9am -2pm or email:[email protected] or click on the below button to go to our website

We have offices in Bathurst, Orange, Cowra, Lithgow and Young, however our services are not restricted to these areas so call our friendly team today!