Advance payment

You may get part of your income support early. This is an advance. You pay it back out of your normal payments from us.

Who can apply

You can apply for an advance after at least 3 months getting:

You can apply for an advance at any time if you're getting:

When you aren't eligible

You aren't eligible for an advance if you:

What may be different

You get Mobility Allowance

You can't get an advance if you:

  • plan to leave Australia for more than 6 weeks in the next 6 months
  • plan to stop your current work or training for at least the next 6 months, or
  • get money from the National Disability Insurance Scheme - this doesn’t include My Way in Western Australia

You get Parenting Payment single

If you became single in the past 28 days, you may get an advance even if you’ve already had one in the last 12 months.

What you can get

There’s a limit on how much money we can advance you. The amount depends on what kind of payment you get.

Family Tax Benefit Part A

You can only get 1 regular advance at a time.

You can ask for a one off advance at any time.

But your advances can’t go over a total of $1,110.69.

The lowest advance you can get is 3.75% of the standard rate for 1 child under 13 years.

The highest advance you can get is:

  • for a one off advance - 7.5% of your annual rate, including add ons but not Family Tax Benefit Part A Supplement
  • for a regular advance - 3.75% of the standard rate for 1 child under 13 years

We pay a regular advance to you every 26 weeks - we do this as long as you’re still eligible or until you ask us to stop.

What may be different

You're a blended family

The highest and lowest amounts you can get depend on your blended family percentage.

You’re still paying back another advance

The most you can get is the most you would be eligible for minus the Family Tax Benefit advances you haven’t fully repaid.

Age Pension, Disability Support Pension, Carer Payment, Widow B Pension or Wife Pension

In any 6 months (13 fortnights) you can only get:

  • 1 advance at the highest amount
  • 1 or 2 advances of smaller amounts, or
  • 3 advances at the lowest amount

The lowest and highest amounts change along with pension amounts each March and September. These are the current numbers.

Amount If you're single If you're part of a couple
Lowest $419.40 $316.15
Highest $1,258.20 $948.45

What may be different

You’re getting a part rate

The most you can get depends on how much pension you get.

You’re under 21 and get Disability Support Pension

The most you can get depends on how much pension you get.

ABSTUDY, Austudy, Newstart Allowance, Parenting Payment Partnered, Widow Allowance or Youth Allowance

The lowest advance you can get is $250.

The highest advance you can get is $500.

We can pay this either:

  • all at once
  • in 2 installments

Farm Household Allowance

The lowest advance you can get is $250.

The highest advance you can get is $500.

We can only pay the advance all at once.

Special Employment Advance

The lowest advance you can get is $50.

The highest advance you can get is $500.

You may get a Special Employment Advance if you get:

You can apply for this advance if:

  • you get a job that will last for at least 6 weeks and is likely to reduce your income support payment by at least 50%
  • you get a job and don't have enough money to pay for something you need to start it, or
  • you or your partner did work that reduced your income support by at least 50% and your employer hasn’t paid you for it

Mobility Allowance Advance

You can only get one advance in 12 months.

The amount of the advance payment is equal to 13 fortnightly payments of Mobility Allowance.

Your normal Mobility Allowance stops until the end of the time the advance covers. This can be up to 6 months. We may restart your normal payments earlier if you start being eligible for a higher rate.

You can’t increase or decrease your repayment amounts.

How to apply

It's best to apply online or with the Express Plus mobile app.

When you apply you must tell us your income and expenses. We need these to check if you can repay us.

What may be different

If you want an advance and get Farm Household Allowance you need to:

If you want to get a Special Employment Advance you need to submit a Claim for Special Employment Advance form at a service centre.

Online

Applying online is secure and easy.

If you already have a myGov account

Sign in to myGov to link to your Centrelink online account and do your Centrelink business.

Sign in to myGov

If you have a Centrelink online account

To do your business online, you need a myGov account and a Centrelink online account.

If you don't have a myGov account, create one today. Once you have created your account, you can link it to your Centrelink online account. Watch the video and read more on how to link your online account to myGov.

Create a myGov account

If you don't have a Centrelink online account

If you’ve been a Centrelink customer before

You’ll have a Customer Reference Number. Use this to register for an online account.

This is anyone who’s had a payment or concession from us before, no matter how long ago.

If you haven’t been a Centrelink customer before

Visit a service centre and tell us you want to register for an online account. You’ll need to bring photo ID with you.

This is anyone who’s never had a payment or concession from us before.

Register

Once you log on to your account:

  • choose Advance Payment
  • follow the steps to apply 
Watch the video about how to apply for an advance.

You can also use your online account to:

  • check when you can next apply for an advance
  • check how much you owe
  • check how much your repayments are
  • manage your regular Family Tax Benefit Part A advance

Express Plus mobile app

You can apply using your Express Plus mobile app on your mobile phone.

You can also use your Express plu mobile app to:

  • check when you can next apply for an advance
  • check how much you owe
  • check how much your repayments are

If you can't apply online or with Express Plus

If you can't apply online or with your Express Plus app, you can apply:

By form

Print out and fill in the:

Send it to us online or through the post, or take it to a service centre.

If you don’t have access to a printer, go to a service centre or call us on your regular payment number and ask us to send the form to you. 

At a service centre

Visit a service centre and say you want to apply for an advance.

By phone

Use Centrelink phone self service or call us on your regular payment number and say you want to apply for an advance.

Documents we need

We’ll tell you if we need any extra documents or forms from you.

The sooner we get them, the sooner we can assess your advance.

If we say no

If we say no to your application, we’ll tell you why.

If you disagree

You have the right to appeal any decision we make.

Read more about reviews and appeals.

How to pay the money back 

Every fortnight you pay back part of your advance. This starts on the next date we pay you after you get the advance.

We take the repayments out of the amount we would normally pay you. You don’t need to do anything to set this up.

Repayment amount

The amount you repay each fortnight will be the advance amount divided by 13 as you will repay the advance over 13 fortnights.

If you're already repaying an advance

If you get another advance, we take out more each fortnight.

If you stop getting a payment from us

You still need to repay the money you owe. We’ll tell you how to do this.

If you can't pay

If you're having trouble repaying an advance, call us on your regular payment number and ask what help you can get.

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Page last updated: 12 July 2017

This information was printed Thursday 17 August 2017 from humanservices.gov.au/customer/enablers/advance-payment-options It may not include all of the relevant information on this topic. Please consider any relevant site notices at humanservices.gov.au/siteinformation when using this material.