No Interest Loans (NILs)
0% interest and no fees or charges, EVER
Find your nearest NILs provider HERE
Washing machine broke down? Unexpected car repairs? Car registration due? Need a new laptop for work or school? Need bond or rent in advance? We’ll pay the invoice for you (NO CASH).
Unexpected expenses are bound to pop up from time to time. Don’t choose an option that might get you into trouble later. With NILs, you only pay back what you borrow, nothing more.
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?
Click HERE to find out where you can apply.
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 with a registered real estate agent (excluding private rentals)
- Rates
- Costs associated with a natural disaster
Am I eligible?
Click HERE to find your nearest NILs provider.
Find out more
Where can I apply for a NILs loan?
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What do I need to apply?
When you apply, you’ll need to provide
- 100 points of ID (such as a driver’s license, passport, Medicare card, Centrelink card, bank card or bills, including something to verify your address)
- Details about your financial situation (bank statements and/or banking details, payslips and/or current Centrelink statement, plus an estimate of your regular expenses)
- Information on existing debts (such as buy now pay later, payday loans or rent-to-buy)
- A quote or invoice that shows: the date, a description of the item/service, the supplier’s details (business name, ABN, address, phone or email), banking or payment details, and the payment amount with delivery included.
If you haven’t chosen the exact item you’d like to buy, but know the rough amount, you can talk to us about ‘pre-approval’ to see if you’ll be eligible, then supply the invoice later. Note: No Interest Loans CANNOT be used for cash. We pay directly to the supplier.
When applying for a No Interest Loan up to $3000, there are NO credit checks. We’ll look at your income and expenses, the total loan amount, and your repayment timeframe (up to 24 months), and work with you to see if the loan is affordable. We don’t judge you on your history.
Find your nearest Provider
No Interest Loans are offered by more than 170 local community not-for-profit organisations in over 600 locations. Click the button to find a No Interest Loan provider near you. In most cases you can visit in person or can apply over the phone.
How has a No Interest Loan helped?
Ray*
I got a NILs loan for a washing machine and then a dryer. I was very relieved that I could get these items and then pay them off at an amount I could comfortably afford. In the past I had taken out a ‘payday loan’ and it got me into real trouble with the repayments.
*details changed to protect privacy
Anne*
Getting a No Interest Loan helped me pay my rego and I didn’t have to pay it in one hit. It’s such a good option because repayments are tailored to what you can afford. I didn’t have to max out my credit card so it was much better from a budget point of view.
*details changed to protect privacy
Rhonda*
A NILs loan is great because there’s no interest and no hidden fees. With most of those ‘fast loans’ there are heaps of extra charges and high interest, so you end up paying back so much more than you actually borrowed. I needed some urgent dental work done and I couldn’t have got it without a NILs loan.
*details changed to protect privacy
Are you at risk of someone checking where you've been online?
Click on the red button to the right, to find info on how to erase your browser history or search in a ‘hidden’ or ‘incognito’ mode. This will take you to a different site, FamilyViolenceLaw.gov.au
- A person whose behaviour is violent or abusive may use technology to harass, watch, track, control, or harm you
- There are always some risks to privacy and personal information when using technology. You always leave a digital trail so it may be important to use a safer device
- There is a RED BAR at the bottom of this page that you can click to leave this page quickly. Clicking this will NOT erase your browsing history. Below we’ve put some links from FamilyViolenceLaw.gov.au – a government website that helps victim-survivors of family violence.
- If you’re worried about someone finding out what websites you’ve visited or things you have downloaded, see deleting your browsing history and deleting your download history.
- Think about using private browsing so the websites you visit aren’t logged on your device.
- If you’re worried about someone monitoring your online activity using spyware or monitoring devices, see making sure my technology is safe.
- You may want to sign out of any accounts like Google or Facebook before viewing this website, as they can store information about websites you have visited.
- For more information on using technology safely see, see making sure my technology is safe.
- Safer devices are things like phones or computers that a person who has been abusive or violent has not and will not be able to access
- There may be more risks to your privacy and safety if someone who has been abusive or violent has had physical access to the device you are using
- Most local libraries have computers you can use for free
- If you have a trusted friend or counsellor they may have a phone or computer you could use
- Some people being monitored choose to use a new device to have private conversations. You could also create a new email account that is not connected with your old account
- This page from 1800RESPECT.org.au contains tips for using technology if you are being abused and how to stay safe online
- This page from WomensAid.org.uk has more info on staying safe online.
