What is NILs?

0% interest and no fees or charges, EVER

Washing machine broken down? Unexpected car repairs? Car registration due? Need a new laptop for work or school?

No Interest Loans (NILs) provide individuals and families on low incomes with access to safe, fair, affordable loans of up to $2,000 with no fees and charges applied.

How much can I borrow?

Borrow up to $2,000 for essentials such as:

• Household items like appliances, whitegoods and furniture
• Car repairs and registration
• Medical, dental, wellbeing and life event expenses
• Technology like a phone or laptop
• Education expenses like fees or uniforms
• Employment expenses like licenses or equipment

Am I eligible?

• I hold a Health Care / Pension Card
• I have experienced Family or Domestic Violence in the last 10 years
• I can show that I have the capacity to repay the loan
• Before tax, I earn less than $70,000 annual income as a single, or less than $100,000 annual income as a couple or people with dependants