NILS: No Interest Loan Scheme

We are proud to be a fully accredited NILS provider through Good Shepherd Microfinance. Our No Interest Loans scheme NILS provides individuals and families on low incomes access to safe, fair and affordable credit. 

Loans can be up to $1,500 for essential goods and services including car expenses, fridges, washing machines, furniture, medical needs and educational purposes. Read More +

To Qualify for a NILS loan you need to be on a low income e.g. receiving a Centrelink payment, holder of a Health Care card or have a low household income (under $45000 PA). Exceptional circumstances can be considered.

Loans can be up to a maximum of $1500 and can be for more than one item. Loans are generally repaid over a period of 12 months. Repayment plans are tailored to suit individual circumstances.

NILS cannot be used for the repayment of current bills or debts and cannot be paid to the applicant directly. They also cannot be used for bond or rent money, rent arrears or living expenses.