Find a No Interest Loans Scheme (NILS) provider

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 Dollar.

What you need to know

• 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.

Eligibility

To be eligible for NILS you'll need to:

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

Contact

Contact your local NILS provider or call Good Shepherd on 13 64 57.