If You Can't Pay

Where can I get emergency financial help?

If you're in crisis and can't cover essentials, urgent help is available — you can reach out now.

This guide helps you

  • Know that emergency support exists
  • Find help with food and essentials
  • Look into emergency relief and grants
  • Get free financial counselling
  • Know who to call if you're distressed

5 min

You're not alone

If you're at the point where you can't afford food, rent or power right now, please know that emergency help exists and you have every right to use it. Reaching out in a crisis is a strong and sensible thing to do.

This is general information, not financial advice. A free financial counsellor can help you find urgent support — National Debt Helpline 1800 007 007. If you're in distress, Lifeline 13 11 14 and Beyond Blue 1300 22 4636 are there any time.

Where to find urgent help

Several kinds of emergency support may be available:

  • Emergency relief services that help with food, bills and essentials
  • Food relief such as food banks and community pantries
  • Crisis payments or advances you may be entitled to through Centrelink
  • Hardship grants from utility providers for energy and water arrears

You can find support services in our directory of bodies.

Step by step

  1. Contact a free financial counsellor on 1800 007 007 — they know what's available in your area.
  2. Reach out to emergency relief services for immediate help with essentials.
  3. Check what you may be entitled to through Centrelink, such as crisis payments.
  4. Ask utility providers about hardship grants if you're behind on energy or water.

Free help available

  • National Debt Helpline — 1800 007 007 for free, confidential financial counselling and to find emergency relief.
  • Lifeline — 13 11 14 and Beyond Blue — 1300 22 4636 for support in distress.

If you're ever in immediate danger, please contact a crisis line straight away.

Key takeaways

  • Emergency relief and food support exist — it's okay to use them
  • A free financial counsellor can point you to urgent help in your area
  • Call 1800 007 007 for help, and 13 11 14 or 1300 22 4636 in distress

Frequently asked questions

Where can I get help with food right now?

Emergency relief services, food banks and community pantries can help with food and essentials. A free financial counsellor (1800 007 007) can point you to services near you.

Is there emergency help with bills?

Possibly. You may be eligible for crisis payments through Centrelink or hardship grants from utility providers. A free financial counsellor can help you find and access what's available.

I'm in crisis and feeling desperate — who can I talk to?

Please reach out now. Lifeline (13 11 14) offers crisis support any time, and Beyond Blue (1300 22 4636) offers mental health support. If you're in immediate danger, contact a crisis line straight away.

This is general information, not legal or financial advice. Your situation is unique and rules can vary by state and over time — for advice on your circumstances, speak to a free financial counsellor (National Debt Helpline 1800 007 007) or get legal help.

Debt & Credit Directory

Know your options, know your rights

A free, plain-English guide to dealing with debt in Australia — and the people who can help.