No Interest Loans (NILS) provide individuals and families on low incomes with access to safe, fair and affordable credit.
Loans are available for essential goods and services such as fridges, washing machines, car repairs and medical procedures for up to $1,500. Repayments are set at an affordable amount over 12 to 18 months.
Am I eligible?
• I have a Health Care Card / Pension Card or earn less than $45,000 a year after tax ($60,000 for couples or people with dependants) • I have lived at my current or previous address for at least 3 months • I can show that I have a capacity to repay the loan