No Interest Loan Scheme (NILS)

The No Interest Loan Scheme (NILS) enables community members living on a low income to access interest free loans of up $1,500. Loans can be used to purchase essential household items for services that improve quality of life such as medical procedures, computers, car repairs and registration. Loans do not cover food, rent, bills, cash or debts.

To be eligible, applicants must:

• have a Health Care Card / Pension Card or earn less than $45,000 a year after tax ($60,000 for couples or people with dependents)
• have lived at their current or previous address for at least 3 months, and
• be able to show capacity to repay the loan