No Interest Loans Scheme (NILS)

What is NILS?
The No Interest Loan Scheme (NILS) will lend up to $1200* to low income earners, with low repayments from $20 per fortnight, for the purchase of essential electrical white goods, such as refrigerators, washing machines, or televisions. Documents are required to verify income, expenditure, identification and loan purpose.

Who can access these loans?
If you have been at your current address for a minimum of three months, are low income and are over the age 18, then you are eligible to apply.

Where is the NILS located?
The Service currently operates across the State.

What are the benefits of NILS?
The program is designed to help those who would have difficulty in obtaining finance for these critical items from traditional means.

Can I volunteer for NILS?
No, Volunteers are not needed for this service.

How can I find out more?
For more information about the NILS program, please phone (07) 3010 1029 or email