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No interest loans
If you are a low-income earner, you could be eligible for a no interest loan up to $2,000 for essential items including household appliances, furniture, laptops, vehicle registration payments, dental procedures and other essential goods and services. You can check your eligibility here.
NILS 4 VEHICLE loans
No interest vehicle loans between $2,000-$5,000 are available for people and families on low incomes to purchase a vehicle for essential use, vehicles include cars, scooters, mobility scooters and motorcycles. You can check your eligibility here.
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How does NILs work?
Submit your invoice with your application and NILs will pay it straight to the supplier / vendor. Loans cannot be used for cash, bills or debts.
How much can I borrow?
- Borrow up to $2000 for essentials such as appliances or furniture, car repairs or rego, a new phone or laptop, or medical, dental or vet expenses.
- Borrow up to $3000 for housing-related expenses such as bond or rent-in-advance, or for recovery from a natural disaster.
What can I use a NILs loan for?
Borrow up to $2000 for essential goods and services including:
- Household items like appliances, whitegoods & furniture
- Car repairs & registration
- Medical, dental, wellbeing and life event expenses
- Technology like a phone or laptop
- Education expenses like fees or uniforms
- Employment expenses like licenses or equipment
Borrow up to $3,000 for:
- Bond & rent in advance for a new rental property
- Rates
- Costs associated with a natural disaster
Am I eligible?
- Earn less than $70,000 annual income (before tax) as a single person OR
- Earn $100,000 annual income (before tax) if you have a partner or children
OR Have experienced family or domestic violence in the last 10 years
OR Have a Health Care Card / Pension Card
AND You can show you can afford to repay the loan