No Interest Loans Scheme (NILS)

Location: ACT, NSW, NT, Qld, SA, Tas, Vic, WA


The No Interest Loans Scheme (NILS) offers individuals and families on low incomes access to safe, fair and affordable credit/loans for purchasing appliances and some other essential household expenses.

NILS is offered by more than 170 local community organisations in over 600 locations across Australia. 
To find your nearest loan provider go to the NILS website.


The NILS scheme offers:

  • loans between $300 and $1,500 for essential goods and services including:
    • fridges
    • washing machines
    • electrical goods such as TVs and computers
    • other essentials such as textbooks, furniture, car-related expenses and dental and medical services
  • no credit checks
  • no fees, interest or charges
  • repayments set at an affordable amount over 12 to 18 months

Loans cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills.


To qualify for NILS you must:

  • have a Health Care Card/Pension Card or earn less than $45,000 a year (after tax)
  • reside in your current residence for more than three months
  • have a willingness and capacity to repay the loan

Other conditions may apply.

Check your eligibility and find a loan provider at NILS website.

No Interest Loans Scheme (NILS)

To find out more about the No Interest Loans Scheme (NILS), or to get an accurate in-home solar assessment, just fill in your details or call 1300 721 984.

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