The Women's Centre for Health and Wellbeing

NILS
No Interest Loans Application

Need help to pay registration on your car?

Need a washing machine, dryer or fridge?

Household Items

Furniture or other household items

For Dental and other medical costs

Get a quote for Dental Work


Educational Expenses

Laptop or iPad? Daily school items?

Repairs

Car repairs, household repairs

No Interest Loans (NILs) are a smart choice loan option to help you manage your money.  Borrow up to $2000 for essential goods and services with no fees, no interest, ever.  You pay back only what you borrow and nothing more.   

How does NILs work?   

There are times in life, despite how hard you try to keep on top of things, when unexpected expenses pop up.  Washing machine has broken down?  Unexpected car repairs?  NILs will pay the cost of these essential goods and services straight to the vendor.  Loans can not be used for cash, bills or debts.

NILs works through a process called ‘circular community credit’. This means when a borrower makes a repayment to NILs, the funds are then available to someone else in the community. It is worth considering a NILs loan first before seeking other expensive options for credit.

Are you eligible to apply for a NILS Loan?

Do you have a

Health Care Card or Pension Card

You earn less than $70,000 gross annual income as a single or $100,000 gross annual income as a couple or people with dependants

Capacity

You can show that you have the capacity to repay the loan

How to apply for a loan

If you meet the criteria listed above, you can apply online on the application below. 

There are several documents you will need to supply and you can upload a digital version in the upload section at the end of the form. 

 

You are welcome to make an appointment with us and do your application in person.

Some people find this much easier. 

 

If you have difficulty uploading your documentation, please email it to [email protected]

You can call us at any time on (02) 6021 577


NILS Online Application

Fill in the form below. At the end of the form there is an "upload file" space where you submit your supporting documention. If you have questions, please call us and ask to speak to the NILs team. (02) 6021 5773

Up to $2,000 for most loans. Up to $3,000 for Rates, Rent Advance & Bond
DD/MM/YYYY
e.g. partner, mother
Click on the title that best describes you
What kind of housing do you live in?
Click on the documents that you will be supplying for this application
Click on the documents that you will be supplying for this application
Click on the documents that you will be supplying for this application
Click on the documents that you will be supplying for this application
Click or drag a file to this area to upload.
If you tick no, please go back and read the Clients Rights and Customer Responsibilities information then come back to tick Yes.