No Interest Loan Scheme (NILS)

No Interest Loan Scheme (NILS)


Want a safe and affordable credit alternative?

NILS is a program that provides small loans to people on low incomes. 

There are no fees, charges or interest payments... EVER!


Want to know more about NILS? Click here! 


Who can get a NILS loan?
To apply for a NILS loan you need to be:

  • holding a Centrelink Health Care Card or Pension Card;


  • $70,000 per annum or under for singles; or
  • $100,000 per annum or under for couples or people with dependents.


Applicant Rights and Responsibilities

Please click here to read through the applicant rights and responsibilities.


What can I get a loan for?
Loan purposes include but are not limited to, the following:

  • White goods
  • Household furniture 
  • Medical, dental and optical expenses
  • Educational costs
  • Technology costs 
  • Car related costs (e.g., registration, driving lessons, repair, insurance excess, CTP)
  • Moving costs
  • Vet costs
  • Rent Advance and/or Bond

NILS cannot be used for emergency relief, rental arrears, utilities arrears, or debt repayments.
NILS cannot be taken out as cash.


How much can I borrow?

Borrow up to $2000 for essentials such as appliances, furniture, car repairs, registration and CTP, technology, medical, dental expenses, and various other approved essential items and or services.

Borrow up to $3000 for housing related expenses such as bond & rent advance for a new rental property with a registered real estate agent (excluding private rentals)

Costs associated with a natural disaster.


What documents do I need for the application?

Please have the following documents ready to upload to this form when required:

  1. 100 points of ID. (Please click here to see what documents are needed)
  2. Detailed Income and Asset Statement form Centrelink and/or Pay slips if you are employed.
  3. Rental Ledger or Statutory Declaration - If you own your own home, mortgage statement and council rates. (Please click here to download a Statutory Declaration template)
  4. A quote with the business’ valid ABN, BSB and Account Number. No Screenshots of items. Needs to be actual quote from store or service provider.  (For car repairs, please supply registration papers as proof of ownership.)
  5. Your latest electricity bill for the property you are in.
  6. Bank Statements. There will be a link you will need to click to provide bank statements. (Please click here for the bank statements to be sent through to us)
    *We cannot process your loan application without these documents*

Please click here to view an example of the documents required for an application.


How do I apply?

If you have all the required documents ready, click here to start your application today.  



Please read all the information carefully. If you need help completing the application or would prefer to complete your application in person, once you have collected all the required documents, please email or call 02 9609 7400 to book an appointment.

We are located at The Parks Community Network, Wetherill Park Community Service Centre, Stockland Town Centre, 561 - 583 Polding Street, Wetherill Park