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What is the NILS?

The NO INTEREST LOAN SCHEME (NILS) provides individuals and families on a low income access to safe, fair and affordable credit.


Maximum loan amounts may vary, but credit can start from $300 up to $1200 for essential goods and services. Once your application is approved, repayments are set up at an affordable amount over a 12 to 18 months period.

With NILS, no credit checks are made as this is a program based on trust and respect.

What are the loans for?

Loans are generally available for the purchase of essential goods and services.

These may include:
• Household items like fridges, freezers, washing machines, stoves, clothes dryers and some furniture
• Some medical and dental services
• Educational essentials such as computers and text books
• Some other items as requested.

Do I qualify for NILS?

Programs are run by local community organisations at over 600 locations across Australia.

To qualify you must:
• Have a Health Care Card/Pension Card or be on a low income
• Reside in your current premises for more than 3 months
• Show a willingness and capacity to repay.

*In certain circumstances, the community organisation may consider amending the eligibility criteria upon loan application.

How NILS works in your community

With manageable repayments and a respectful assessment process conducted by an accredited NILS provider, NILS works through a process of circular community credit. When a borrower makes a repayment to NILS, funds are then available to someone else in the community.

Call 13 NILS (13 64 57) or find your local provider.


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