No Interest Loans (NILS) provide individuals and families on low incomes with access to safe, fair and affordable credit.

Washing machine broke down? Unexpected car repairs? Car registration due? Need a new laptop for work or school? Moving and need support with bond or rent in advance?

Unexpected expenses are bound to pop up from time to time. NILs help you manage your money and you only pay back what you borrow, nothing more.

How does NILS work

Submit your invoice and NILs will pay the cost of these essentials straight to the supplier / vendor. Loans cannot be used for cash, bills or debts.

How much can I borrow?

Borrow up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support  your wellbeing

Borrow up to $3000 for housing related expenses such as bond or rent in advance, or for recovery from a natural disaster.

Borrow up to $2000 for essential goods and services including:

• Household items like appliances, whitegoods & furniture
• Car repairs & registration
• Medical, dental, wellbeing and life event expenses
• Technology like a phone or laptop
• Education expenses like fees or uniforms
• Employment expenses like licenses or equipment

Borrow up to $3,000 for:

• Bond & rent in advance
• Rates
• Costs associated with a natural disaster

Am I eligible?

• Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children
• OR Have experienced family or domestic violence in the last 10 years
• OR Have a Health Care Card / Pension Card
• AND You can show you can afford to repay the loan

• Phone: 13 64 57