No Interest Loan Scheme (NILS)


The No Interest Loan Scheme (NILS) provides individuals and families on low incomes with access to safe, fair and affordable credit. 

  • Loans are available for up to $1,500 for essential goods and services such as fridges, washing machines and medical procedures. Repayments are set up at an affordable amount over 12 to 18 months.
  • To be eligible for NILS you must have a Health Care Card or earn less than $45,000 a year (after tax). Loans cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills.
  • Loans are available for the purchase of essential goods and services.  These may include
    • Household items like fridges, washing machines, stoves, dryers, freezers and furniture
    • Some medical and dental services
    • Education essentials such as computers and text books
    • Some other item as requested

Comments made about the No Interest Loan Scheme

“Thank you NILS. The loan means I am no longer on the rental roundabout”

“I have paid my first loan and am applying for a second. This is a great way to help me get what I need.”

“I have been without a TV for so long. I can now sit down to watch tv and relax”

“After all the bad things that happened at the beginning of this year, (January floods, February relocating), your generosity and help has lifted a great weight off my shoulders and put a smile back on my face. Thanking you!”

Download Brochure about the No Interest Loan Scheme (NILS) >>

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