We offer safe, completely interest-free and charge-free loans of up to $2000 to individuals and families across NSW. The NILs Team can be contacted on 1800 484 664.
NILs offers small, interest-free loans of up to $2000 for low income families and individuals across NSW.
NILs is for individuals and families on low incomes. We give you access to safe, fair, and affordable lending, so you can access the essential goods or services you need.
You can borrow up to $2000. Loans are generally repaid over a 12-month period (longer periods can be accessed if needed), and you’ll only have to repay what you’ve borrowed – no extras.
It is worth considering a NILs loan first before seeking other expensive options for credit like a payday loan or rent to buy.
Enquire now to find out if a NILs loan is the right option for you.
To be eligible for help through NILs, you must:
NILs loans can be used for essential goods and services. These may include:
Your loan cannot be used to pay rent, bills, fines or debts, or for living expenses such as groceries.
We reserve the right to determine your suitability on a case-by-case basis.
We will explain the application process to you and ask for some documents to show you are eligible for a loan.
Once you have compiled all the required documents in the NILs Info Pack, email to email@example.com
From there, you will be invited to discuss your application in a follow-up interview via phone. Interviews usually take between 30 minutes to one hour.
Following your interview, your loan is submitted for assessment and we will inform you of the outcome, usually within two business days.
Please note that loans cannot be used for the following: Food, utility bills, cash advances, fines or penalties, debt repayment/consolidation, vehicle purchase, second-hand electrical goods or baby furniture, lay-by, airfares, clothing (except uniforms) or the bundling of many small goods (e.g. kettles, toasters, blenders and sandwich press etc.).
“I just wanted to say thank you so much for helping me. You don’t realise how much something as simple as running hot water can make your life just that little bit better. Certainly beats heating it up over a fire in a pot. Seriously though, you were amazing. You have got no idea how much I appreciate it. It is a very hard time for us right now but you have helped to make it easier. So again, thank you so much.’”
“I am grateful to you for your kindness that you displayed by accepting my application for a loan. I was in incredible need for cash as I needed to register my car before getting fined. I am extremely grateful for NILs because the speed that has been shown in processing my application is commendable.”