Visit our COVID-19 page for information and advice on the assistance available for NSW residents and businesses

Introduction

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

The scheme provides up to $1500 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 $45,000 a year (after tax)
  • 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.

You'll be taken to another website.