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
ABOUT NILS
What can the loans be used for?
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furniture, appliances & whitegoods
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bond and rent in advance or council rates
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educational resources (eg fees and uniforms)
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car registration or repairs
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technology (eg mobile phone or laptop)
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medical, dental and wellbeing expenses
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employment expenses (equipment or licences)
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costs associated with a natural disaster
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and other essential items

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