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.

You are eligible if:

• You have resided in your current premises for more than three months (this can be waived in some circumstances – contact us for more details); 
• You have a Health Care Card or earn less than $45,000 a year (after tax);
• You can demonstrate the ability to make the loan repayments without causing further financial hardship;
• You sign the Loan Agreement.