The No Interest Loan Scheme (NILS) provides individuals and families on low incomes with access to safe, fair and affordable credit. Loans are free from fees, charges, and interest. Pay back only what you borrow. 

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

• Household items like appliances, whitegoods & furniture 

• Car repairs

• Medical, dental, wellbeing and life event expenses 

• Technology like a computer or laptop (up to $2000 limit)
• Technology like a phone, tablet and other small electronic devices (up to $1000 limit) 

• Education expenses like fees or uniforms 

• Employment expenses like licenses or equipment 

Borrow up to $3,000:

• Bond on a new rental property
• Costs associated with a natural disaster 

NILs cannot be used for cash, bills, rent or debts.    

Am I eligible?  

• have a Health Care or Pension Card 

OR 

• earn less than $70,000 (before tax) as a single  

OR 

• earn less than $100,000 (before tax) if you have a partner or dependents 

OR  

• have experienced family or domestic violence in last 10 years 

AND 

• you have lived at your current address for a minimum of three months  

AND  

• you can afford to repay the loan (Centrepay and direct debit available). 

Loans are paid back over a period of 18 – 24 months.