Salvation Army money care manager Tony Devlin told the NSW Parliament inquiry into the handling of the COVID-19 pandemic on Monday about the work of the organisation's disaster management team.

Following their work during the summer bushfires that impacts area like the Border, staff and volunteers switched in mid-March to working with state governments to help those who had to isolate due to coronavirus.

"At a local level we have put together 'we care' packages to assure communities that we are there for them," Mr Devlin said.

"Our data in recent months indicates that our regional areas may be hardest hit.

"Our experience is that the promise of quick access to finance needed to get through the week can be very appealing to people in crisis.

"Those people find themselves in more financial stress, perhaps more than ever in their life.

"We would like to urge them to seek help from free community-based services, rather than turning to predatory short-term loans which have a long-term detrimental effect."

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He called on the NSW government to help with financial support services and the pressure of bills which is still to come.

"We know that those winter bills are coming in. With people working from home, there's going to be some shocks so it would be nice to have a conversation about getting some of those issues sorted," he said.

"The cliff may not happen, but we might have a very steep and long slope ... We are conscious that more support may be needed as the long-term effects of the pandemic emerge."

Mission Australia also has services in Albury such as the intensive family preservation program, which provides in-home crisis intervention, assistance and counselling for families.

State director Nada Nasser the organisation had experienced an increase in referrals for family violence, employment and mental health services.

"We are also concerned about the long-term impact, which we are yet to fully understand, but we know that will be felt for many years to come," she said.

"We need a long-term recovery plan to ensure people already experiencing disadvantage are not left behind."

St Vincent De Paul Society policy and advocacy manager Rhiannon Cook told the inquiry the average age of the organisation's volunteers was over 70 and many had to step away from their roles during the pandemic.

"If this eruption of social issues that we're expecting happens and we know that many parts of the community sector are already under resources and now there's reduced capacity for that, there will be a bigger mismatch between the capacity of services and the level of need," she said.