Emergency Assistance: 07 4774 0144

No Interest Loan Scheme (NILS)

What are the Loans for?

Borrow up to $2,000 for essential goods and services, including:

  • Household items like appliances, whitegoods
  • Car repairs, registration and tyres
  • Medical and dental services
  • Technology like a mobile phone or laptop
  • Educational essentials such as computers and text books
  • Employment expenses like licences, training courses or equipment
  • Other loan purposes may be approved on a case by case basis

Borrow up to $3,000 for:

  • Other loan purposes may be approved on a case by case basis
  • Bond and rent in advance
  • Rates
  • Costs associated with a natural disaster


  • You can show you can afford to repay the loan.
  • Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children.

How does it work?



Call 4774 0144 or 4779 7268 or use the enquiry form below for more information and an application form.


Gather Documents

All the necessary information required in the application form.



The loans committee will make an assessment on your application, this can take up to 2 weeks.



Once approved, we will agree on affordable repayments up to 24 months.

    Contact the NILS Team