No Interest Loans (NILS)

The No Interest Loans Scheme (NILS) provides people on low incomes with access to credit for essential household items, without burden of fees, charges and interest payments (loans up on $1200). To qualify for a loan clients must have a Centrelink Healthcare card or Pension card and have lived in the area for at least 3 months. Modest fortnightly payments are then organised to repay the loan.