NILs 4 Vehicles

No interest and no charges, EVER

Car has finally packed it in but you can’t survive without it? Don’t have the cash to replace it?  Before you turn to a high interest lender, consider NILs for your next vehicle purchase. 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.

IMPORTANT:  Our NILs for vehicles program is currently experiencing higher than expected demand. The current loan application processing time  is up to 4-weeks.  Our network of loan providers are doing their best to triage and prioritise loan applications.  We thank you for your patience as we clear this backlog.

What we offer

We facilitate your application for a No Interest Loans for vehicles. NILs for vehicles is a safe and fair option for people and families on low incomes to purchase a vehicle for essential use.

No Interest Loans (NILs) are available for up to $5,000 for the purchase of an essential vehicle including:

  • Cars
  • Scooters (excludes e-scooters)
  • Mobility scooters
  • Motorcycles
  • Boats

Am I eligible?

NOTE: NILs for vehicles requires a credit check.

You are eligible for a No Interest Loan if you:

  • Have a Heath Care Card / Pension Card


  • Earn less than $70,000 annual income (before tax) as a single person


  • $100,000 annual income (before tax) if you have a partner or children


  • Have experienced family or domestic violence in the last 10 years


  • You can show you can afford to repay the loan

Download our budget planner template. Complete, save and email to

For urgent support

If you require urgent assistance, please contact one of the following free services:

  • National Debt Helpline on 1800 007 007 (9.30am to 4.30pm, Monday to Friday).
  • Mental Health Triage Service on 13 14 65 (24 hours, 7 days a week).
  • Homeless Connect SA on 1800 003 308 (24 hours, 7 days a week).