No Interest Loans (NILs)

No Interest Loans (NILs) are 0% interest and with no fees or charges. Submit your quote with your application and NILs will pay it straight to the supplier / vendor. Loans cannot be used for cash, bills, debts or rent.

Borrow up to $2000 for essentials such as appliances or furniture, car repairs, a new computer or laptop, or medical, dental or vet expenses. Borrow up to $3000 for bond on a new rental property or for recovery from a natural disaster.

Eligibility

• have a Health Care Card / Pension Card
• OR earn less than $70,000 (before tax) as a single
• OR earn less than $100,000 (before tax) if you have a partner or dependents
• OR have experienced family or domestic violence in the last 10 years
• AND you have lived at your current address for a minimum of three months
• AND you can show you can afford to repay the loan (Centrepay and direct debit available)

No Interest Loans are offered by more than 170 local community not-for-profit organisations in over 600 locations.