Find a No Interest Loans Scheme (NILS) provider

NILS is a NSW Government cost-of-living initiative. Use a NILS loan for appliances, furniture, car repairs or medical expenses, instead of other credit providers.

Introduction

The No Interest Loans Scheme (NILS) offers safe and affordable access to credit to people on low incomes in NSW.

Note: The dollar amounts on this page refer to Australian Dollars.

How NILS works

  • To be eligible for NILS, you will need to:
    • meet the eligibility criteria, and
    • show that you can afford to repay the loan (Centrepay and direct debit is available).
  • About the loan:
    • You only pay back what you borrow.
    • The loans are interest free (0% interest).
    • There are no fees or charges.
    • There is no cash.
    • NILS will pay the invoice for you.
    • The loan funds are paid to the store or service provider.
  • NILS cannot be used for cash, bills, rent or debts.
  • NILS is not for emergency relief during financial crisis.

Credit available

Essential items

You can borrow up to A$2,000 (two thousand dollars) for essentials items such as:

  • whitegoods (such as stoves, fridges, washing machines and dryers)
  • essential household furniture
  • technology
    • computer or laptop (up to A$2,000 limit)
    • phone, tablet or electronic device (up to A$1,000 limit)
  • some medical and dental costs
  • car repairs or registration
  • education expenses like fees, uniforms, equipment or textbooks
  • employment expenses like licenses or equipment.

Other essential items may be considered.

Housing related expenses

You can borrow up to A$3,000 (three thousand dollars) for:

  • bond on a new rental property, or
  • to help recover from a natural disaster.

Who is eligible

You will need to meet at least one of these requirements to apply for NILS.

  • you have a health care card/pension card, or
  • you are single and earn less than A$70,000 (seventy thousand dollars) per year, before tax, or
  • you have a partner or dependents and earn less than A$100,000 (one hundred thousand dollars) per year, before tax, or
  • you have experienced family or domestic violence in the last 10 years.

What you need to apply

You will need to provide supporting documents:

  • to confirm your current address
  • that show you can manage the repayments.

Contact

For more information:

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Last published: 24 August 2026