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Home Services Financial Support NILS
Home Services Financial Support NILS
NO INTEREST LOANS SCHEME (NILS)

Providing small
interest-free loans

Supporting people to buy household items and pay for essential services with interest-free loans

NILS loans enable people experiencing financial hardship to buy household items such as appliances and furniture, or pay for essential services like dental, optical care or car registration.

About the No Interest Loans Scheme (NILS)

Anglicare offers NILS for people who are unable to access mainstream credit. NILS involves small loans of up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support your wellbeing (eg dental, optical care).
You can borrow up to $3000 for housing related expenses such as bond or rent in advance, or for recovery from a natural disaster.
Loans through NILS incur no interest and no setup fees are required. Clients are only required to repay what they borrow and repayment plans are tailored to suit individual circumstances.
To be eligible for a NILS loan you have to earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children.
  • OR you have experienced family or domestic violence in the last 10 years.
  • OR you have a Health Care Card / Pension Card
  • AND you can show you can afford to repay the loan.
For more information or to confirm your eligibility, please contact the Anglicare NILS Team on 1800 644 556.

Anglicare’s NILS funding is provided by NSW Fair Trading, NAB Bank, Country Energy and DSS.

ABOUT NILS

What can the loans be used for?

  • furniture, appliances & whitegoods
  • bond and rent in advance or council rates
  • educational resources (eg fees and uniforms)
  • car registration or repairs
  • technology (eg mobile phone or laptop)
  • medical, dental and wellbeing expenses
  • employment expenses (equipment or licences)
  • costs associated with a natural disaster
  • and other essential items
HOW TO APPLY FOR NILS
HOW TO APPLY FOR NILS

How do I know if I'm eligible?

In order to be eligible for a NILS loan you must earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children.
To calculate your eligibility, please contact 1800 644 556 before submitting any documents. When you have compiled your required documents, call to arrange an interview.

What documents are required to prove my eligibility?

  • Proof of identity (eg. Driver’s Licence, Proof of Age Card, Community Identity Card)
  • Health Care Card or Pensioner Concession Card
  • Most recent Centrelink Deduction Statement
  • 3 months of payslips from any casual or part-time work (if applicable)
  • Current rent ledger for 3 month or most recent rates notice. If you are boarding, a Statutory Declaration from the leaseholder is required
  • Bank statements for the last 3 months for all bank accounts
  • Statements of any other loans (eg. credit cards, personal loans, payday lenders, rent to buy loans and car loans)
  • Most recent tax invoices for electricity, gas, telephone, water and any other bills paid regularly
  • A written quote is required for the new item you wish to purchase with NILS

Contact us to submit an application

Call 1800 644 556 or email nilsadmin@anglicare.com.au

SUBMIT AN ENQUIRY
SUBMIT AN ENQUIRY
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Anglicare acknowledges Aboriginal and Torres Strait Islander people as the Traditional Owners and Custodians of our land and seas. We acknowledge the history of this land and for the stories of resilience and survival which make up Indigenous Australia. We give thanks for Aboriginal Elders and Knowledge Keepers of every generation, including the many Aboriginal families and communities which contribute to the life of our region. Read more about our Reconciliation Action Plan.