Ask about the bill before adding a loan.
Check provider payment arrangements, concessions and hardship help before considering a small loan for an electricity, gas, water or phone bill.
CashLift is preparing to launch and is not accepting applications. Joining the waitlist is not an application or an offer.
Talk to the provider early
Explain the shortfall and ask about payment extensions, instalments or hardship assistance. Ask what you must do to stay on an arrangement, whether charges apply and what happens to supply. Rules differ between services and jurisdictions; do not assume every requested plan must be granted.
Check concessions and emergency help
Ask the provider about concessions and government assistance relevant to your location and circumstances. A financial counsellor can help you understand bill priorities and support options. Do not wait for a loan decision if a disconnection notice needs attention.
Check whether the shortfall will repeat
A loan creates another repayment alongside future bills. If regular income does not cover recurring costs, seek help with the budget and provider arrangements first. Standard No Interest Loans are not for general bills, rent or debts.
Source: official assistance information. Eligibility and provider terms apply.
Explore the planned amount
- Fees capped by law — every dollar shown before you sign
- Weekly repayments, subject to assessment and final dates
Amount explorer only, not a quote or offer. We're not lending yet — your term and repayments will come from your verified income and expenses.
The planned product pays $200–$2,000 to you, subject to assessment. Establishment is 20% of the amount received and monthly fees are 4% for each month or part month. Read a dated cost example and the estimate assumptions.
Questions for this expense
Is borrowing the only way to keep supply?
No. Contact the provider about the notice, hardship assistance and payment options. The available protections depend on the service and your circumstances.
Where can I get independent help?
Call the National Debt Helpline on 1800 007 007 for free financial counselling, or use its website to find help.
Funding is conditional on assessment, verification, acceptance and funding requirements. Bank processing affects receipt; no same-day timing is guaranteed. The offer will explain weekly repayments and the available repayment method before acceptance.