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. 

Loans are available for up to $2,000 for a range of goods and services including:

• Household items such as fridges, washing machines, TVs and furniture
• Housing costs such as home repairs, removalist fees and bond payments
• Medical and dental services
• Car repairs and registration
• Educational essentials such as course fees, computers and text books

Repayments are set up at an affordable amount over 12 to 24 months.

You are eligible if:

• You have a Heath Care Card / Pension Card  

OR  

• You earn less than $70,000 gross annual income as a single, or $100,000 gross annual income as a couple/family 
• You can show that you have the capacity to repay the loan without causing financial hardship.