No Interest Loans (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 or Pension card or earn less than $45,000 a year after tax ($60,000 for joint applicants or people with children).

Loans cannot be used for cash, rent arrears, debt consolidation, holidays or bills.

For more information, please visit the NILS website.

Contacts