What is NILS? 

No Interest Loans (NILS) provide individuals and families on low incomes with access to safe, fair, affordable credit with no fees and charges applied.

NO FEES NO INTEREST 

Am I eligible?

• I hold a Health Care / Pension Card or earn less than $57000 a year or couple / client with dependants $75 000
• I have lived at my current or previous address for at least 3 months
• I can show that I can afford to repay the loan

What can I use NILS for?

NILS Loans are available up to $2000 for essential goods and services including:

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