“A car is very important … particularly in Cairns where public transport is not very efficient”

“A car is very important … particularly in Cairns where public transport is not very efficient”

Unable to find work but needing a car for his independence, Robert enquired about a StepUP Loan. That’s how he met Julie from Shelter Housing Action Cairns (SHAC). This is his microfinance story.

“I was reading the Cairns Post and saw an advertisement for the StepUP loan. I really wanted a car. I needed it for my independence, so I thought I would get in touch and that’s how I met Julie.

Julie has helped me a lot. She’s a very, very kind-hearted lady and has a nice sense of humour. She’s very easy to get along with and I am very happy to have met her, we have become good friends.

I’m a pensioner now. I would like to work, but no one wants to employ me – I am over the hill I guess! So, for me having a car is very important it makes me independent. It also saves me a lot of time and I can go anywhere I want, whenever I want. I wouldn’t be where I am today without my car. I wouldn’t be happy.

Financial organisations around Australia have made it very difficult for low income earners to have a loan or borrow money to meet their requirements. We all have requirements for making life a little easier – a car is very important to everybody, particularly in Cairns where public transport is not very efficient and it’s not possible to get everywhere you’d like to go.”

The StepUP Loan program is delivered in partnership with NAB. For more information on the StepUP Loan, head to www.stepuploan.org.au

Robert, StepUP loan client

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No Interest Loans (NILS) Coronavirus Relief

No Interest Loans and financial information for anyone adversely impacted by the Coronavirus will be made available soon. These loans of up to $1500 or more will provide financial relief for household products and bills with a payment period of 18 months. However, anyone needing immediate assistance can apply for a NILS loan through our existing program, although this loan has narrower criteria and is not for bills. For further information about a NILS loan, please call us on 1300 770 550.