Am I eligible?

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 Have experienced family or domestic violence in the last 10 years

OR Have a Health Care Card / Pension Card

AND You can show you can afford to repay the loan

No Interest Loans (NILs)
0% interest and no fees or charges, EVER

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.