The Women's Centre for Health and Wellbeing

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?


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 essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support your wellbeing with no fees, no interest, ever. 

Borrow up to $3000 for housing related expenses such as bond or rent in advance, or for recovery from a natural disaster 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.

If you would like more informatation, please call us on (02) 60 215773 or email:

Are you eligible to apply for a NILS Loan?

Do you have a

Health Care Card or Pension Card OR Have experienced family or domestic violence in the last 10 years.

You earn less than $70,000 annual income (before tax) as a single or $100,000 annual income (before tax) as a couple or people with dependants.


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

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

Please enable JavaScript in your browser to complete this form.
Today's Date
Up to $2,000 for most loans. Up to $3,000 for Rates, Rent Advance & Bond & Natural Disaster

The following information is important and helps us work out if you are eligible for a NILS Loan

What best discribes your income per year?
Health Care Card or Pension Card
Has your income been reduced or expenses increased due to Covid 19?
Prefered Contact Method
Are you an Australian Citizen or pernanent resident living in any sate/territory of Australia?
If applicable, please enter ( or estimate) the date you first arrived in Australia
Residential Address
Postal Address (If Different to Residential Address)
Secondaryy Contact / Joint Application
e.g. partner, mother

Private Information

Your Gender Identity
Click on the title that best describes you
Aboriginal & Torres Strait Islander
Do you identify as having a Disability
Are you an NDIS Participant?
Do you need an Interpreter to meet with us?
Please read the following. Depending on your records, please upload the most relevant proof of identification documents from this list. You can upload a copy of each at the UPLOAD link below.
Click on the documents that you will be supplying for this application
Examples of documents you may have
Click on the documents that you will be supplying for this application
To access your Bank Statements you need to go to : This is a safe and secure way that Banks and financial institutions access your bank statements. There is an electronic link outside this document on the NILS page.
COPY this link into your address bar
Click or drag files to this area to upload. You can upload up to 8 files.
Please tick to indicate you have read the attached Clients Rights and Customer Responsibilities Information on our NILS page
If you tick no, please go back and read the Clients Rights and Customer Responsibilities information then come back to tick Yes.
In submitting this form you are agreeing
Click YES to agree
I (add your name) agree to the conditions listed above for this loan application (Client 1)
I (add your name) agree to the conditions listed above for this loan application (Client 2 - if relevant)

Once you have submitted your application please CLICK on the link below for so we can assess your application