The No Interest Loan Scheme (NILS) provides individuals and families on low incomes access to safe, fair and affordable credit. The loan can be used for essential goods and services such as white goods, some medical and dental services, and educational essentials such as computers and text books.

Loans are for amounts from $300 to $1200 with a 12-18 month repayment period.

Am I eligible?

You can apply for a NILS loan if you meet a number of conditions including:

  • Hold either a Centrelink Healthcare card, Veterans’ Affairs or Pension card, or be on a low income
  • Have lived at your current address for a minimum of three months, and
  • Show a willingness and capacity to repay