About our No Interest Loans
We provide No Interest Loans (NILs) for individuals and families on low incomes with access to safe, fair and affordable credit. Loans are available for essential goods and services such as fridges, washing machines, car repairs and medical procedures for up to $1,500. Repayments are set at an affordable amount over 12 to 18 months.
NILs is offered by 170 local community organisations in over 600 locations across Australia. Chances are there’ll be a local No Interest Loan provider near you or one who can help over the phone.
What can I use this loan for?
Repair a car
Our No Interest Loan can be used for car repairs.
To pay for medical or dental expenses
Our No Interest Loan can be used to pay for dental and medical expenses.
To pay for education essentials
Our No Interest Loan can be used to pay for education essentials like laptops and books.
Household items and essentials
Our No Interest Loan can be used to buy household items like fridges and washing machines.
Other items as requested
Our No Interest Loans can also be used for other items or services, such as household furniture and repairs.
Am I eligible?
You are eligible if:
How do I apply?
Step 1: Eligibility
To find out if you are eligible for a No Interest Loan, check the eligibility criteria.
Step 2: Enquiry
To Find your nearest No Interest Loan provider click here or call 13 NILs.
Step 3: Appointment
Make an appointment to meet with your provider.
Step 4: Paperwork
Submit your paperwork for you loan application to be assessed.
Step 5: Assessment
Your application will be assessed.
Step 6: Outcome
You will be informed of the outcome of your application by phone or email.
Find your nearest Provider
No Interest Loans are offered by 170 local community organisations in over 600 locations. Chances are there’ll be a No Interest Loan provider near you or one who can help over the phone.
What our clients are saying
Ray
No Interest Loan Client
I was very relieved that I could get these items and then pay them off at an amount I could comfortably afford.
Marisol
No Interest Loan Client
I now feel confident in managing my money, empowered to make positive change, to make my own choices. I’ll benefit from this program for the rest of my life and will pass this on to my son as he gets older.
Rhonda
No Interest Loan Client
When I found NILS, I was overjoyed as there is no interest.
Translated information
Access further information about No Interest Loans in other languages.
Not sure which loan is for you?
Use our loan comparison tool to find out.
Emergency relief support
For other emergency relief assistance with food parcels, bills and rent, to find a DSS Emergency Relief service provider near you.
