No Interest Loan Scheme

  1. About this service

    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.

    To be eligible for NILS you must have a Health Care Card or earn less than $45,000 a year (after tax). Loans cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills.

    • EnquireENQUIRE

      Enquire about a loan now or call 13 NILS (13 64 57).

    • 2.InterviewINTERVIEW

      Bring your documentation to a meeting with a local loan provider.

    • 3.AssessmentASSESSMENT

      Your loan application is assessed.

    • 4.ApprovalOUTCOME

      You are informed of the outcome of your loan application and agree repayment terms.

      • Service name

        No Interest Loan Scheme

      • Service address

        To find your nearest centre, visit
        Get directions

      • Phone

        13 64 57

      • Urgency levels

        Some Help, Direct Help

      • Service area


      • Service type


  2. No Interest Loan Scheme