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In-roads loans

In-roads is a Community Sector Banking initiative helping people get back on their feet by offering them access to financial services not available in mainstream banking. Backed by Bendigo Bank, In-roads was created to help with the everyday challenges of life and manage day-to-day expenses; improving financial wellbeing.

 download our In-roads brochure

  • for individuals & small enterprises
  • eligibility
  • financial literacy
  • faq
  • apply
  • useful resources

for individuals & small enterprises

Loans for low-income individuals

A program that helps low-income Australians get back on financial track by offering services not available in mainstream banking.

Helping you with a loan - and where needed, education to support you to pay it back.

The benefits of In-roads for individuals

In-roads improves financial wellbeing by helping you manage everyday challenges and life expenses.

  • Offers fair and affordable loans with flexible repayment options
  • Provides you with money management skills through education
  • Helps build credit rating through repaying a real loan
Loans can be used for:
  • Basic household items such as a fridge or stove
  • Adult education to improve employment prospects
  • A car or repairs so you can get to work

Loans for small enterprise initiatives

Helping people help themselves through finance for setting up or expanding a small business.

The loans are available to people on low incomes who have completed appropriate business training and developed a business plan, but have difficulty qualifying for finance elsewhere.

The benefits of In-roads for small enterprise

  • Supports sustainable, well planned business ideas
  • Promotes small enterprises, helping them grow and flourish
  • Develops local jobs and economies


  • Loans of $500 to $3,000
  • Maximum term of 2 years
  • Free financial education assistance
  • Flexible repayment options
  • Improves credit rating with regular repayments
  • Available Australia-wide


account fees
Application fee - refunded on completion of loan $50


Current interest rate 13.95% pa

terms + conditions

+ View the full terms and conditions