What exactly is NILS?

As well as offering a way to pay for essential household items, these affordable loans may help you to establish a repayment record to assist in future financial dealings.

The No-Interest Loans Scheme (NILS) provides people on low incomes with access to safe, fair and affordable credit. NILS loans may be provided for amounts up to $1,500 for the purchase of items such as a fridge, washing machine, medical expenses or car repairs.

There are:
-no fees
-no charges
-no interest
-no credit checks

To be eligible for NILS you need to:
Have a Health Care or Pension Card, earn under $45,000, have lived at your current address for three months (exceptions for DV cases), and demonstrate a willingness and capacity to repay the loan.


Need more information?

Please click the link below to find out more about NILS.

How Do I Apply?

What documents are required to prove my eligibility?

-Proof of identity (eg. Driver’s Licence, Proof of Age Card, Community Identity Card)Health Care Card or Pensioner Concession Card
-Most recent Centrelink Deduction Statement
-3 months of payslips from any casual or part-time work (if applicable)
-Bank statements for the last 3 months of all bank accounts
-Statements of other loans (eg. credit cards, personal loans, payday lenders, rent to buy loans and car loans)
-Current rent ledger for 3 month or most recent rates notice. If you are boarding, a Statutory Declaration from the leaseholder is required
-Most recent tax invoices for electricity, gas, telephone, water and any other bills paid regularly
-A written quote is required for the new item you wish to purchase with NILS

Fill out this submission form to have your details sent to the NILS Loan Officer. Then download the application forms A & B, fill them out and bring it (along with all the other needed documentation) with you to  your appointment. 

Please email your application and all the required documentation listed below to 
[email protected] in order to streamline the application process.

Download Your Application Using the Buttons Below:

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