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

The scheme provides up to $2,000 for essential goods and services including:

  • household items such as:
  • furniture and whitegoods (stoves, fridges, washing machines)
  • educational necessities such as computers and textbooks
  • some medical and dental  services
  • car repairs
  • other items on request.

The loans are interest free, there are no fees, and repayments are arranged over 12 to 18 months.

To be eligible for NILS you need to:

  • have a health care card/pension card or earn less than $57,000 a year (after tax) for singles OR $75,000 a year for couples or people with dependents. 
  • have lived in your current premises for more than 3 months
  • show that you're able to repay the loan in the allotted time period.

Note: NILS cannot be used for cash, rent arrears, holidays, bills or debt consolidation.
The loan funds are paid to the store or service provider.

For more information, you can:

Last updated: 13 September 2022
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