The St Vincent de Paul Society No Interest Loan Scheme (NILS) offers people on low incomes the opportunity to purchase essential household items or services that can improve quality of life.

Loans of up to $1,500 are available with no fees, no interest, no extra costs and low repayments for the entire loan. This limit is extended to $2,000 for people who have experienced (or are experiencing) domestic violence.

You can apply in any of the St Vincent de Paul Society NILS sites across NSW (listed below). Our friendly team will be happy to assist with your inquiry and application.

What loans can be approved?

Who is eligible to apply for a NILS loan?

How to apply for a NILS loan?

NILS process explained

Where to apply for more information

What loans can be approved?

Your loan can only be approved for the following:

Household appliances

White goods, heating/cooling appliances, visual/audio equipment, vacuum cleaners, smaller electrical items, etc.

Household furniture

Beds, dining suites, lounge suites, etc.

Outdoor equipment/furniture

Lawnmowers/whipper snippers, etc.


Computers, mobile phones, etc.

Car-related items

Registration, green slip, tyres, windscreens, etc.

Medical aids, procedures and dental services

Visual aids, some dental procedures, medical appliances, etc.


Course fees, course materials, etc.

The St Vincent de Paul Society reserves the right to determine an applicant's suitability on a case-by-case basis.

Who is eligible to apply for a NILS loan?

You are eligible to apply for a loan if you are:

1. On a low income, or:

  • Have a current Health Care Card, or Pensioner Concession Card or;
  • Independently earn a household total of less than $45,000 (after tax) per year or;
  • Have dependents or partners who earn less than $60,000 (after tax) per year.

2. Living at your current address for the last three months.* This may be waived in exceptional circumstances for:   

  • Applicants in transitional housing;
  • People experiencing family violence;
  • Those in state/community housing transfer;
  • Applicants who have not had an address for an extended period;
  • Those struggling to obtain a proof of residency (e.g. remote areas).

*Three months is the minimum period required to approve an applicant's payment history through bank statements, rental statements and other household expenses. 

3. Willingness and capacity to repay the loan:

  • Capacity to repay is determined through a budget process;
  • Willingness is indicated by an applicant's management of current bills and commitments.

How to apply for a NILS loan?

Step 1:

Start by going through the information in the NILS Documents Checklist. Contact us if you need further information or clarification. If you are eligible for a NILS loan, proceed to the next step.

Step 2:

Compile ALL the required documents using the attached NILS Documents Checklist as a guide. Next please submit or email these to any of the NILS sites closest to you. NILS sites are listed below.

Step 3:

Our team will contact you to arrange an interview. The interview can be done in person, by Skype, Facetime or over the phone.

NILS process explained


Visit, call or email your nearest NILS site (listed below), and we will provide you with information about the application process and answer any questions that you may have. 

Submit documents

Use the attached NILS Document Checklist to compile and complete required documents. Submit these to the St Vincent de Paul Society NILS site near you. You can personally deliver, post or email your documents.

Interview & application

Once we have received your documentation, we will be in contact to arrange an interview. In the interview, we will inform you of your rights and responsibilities and help you to apply for the loan. The interview usually takes between 30 minutes to one hour. Your final application will be submitted into the NILS system.

Assessment & approval

Only applications with complete information and documentation will be accepted for assessment. Our team will contact you within 24 to 48 hours regarding the outcome of your application.


Our team will pay for the item and make delivery arrangements based on your instructions.

Repayment of loan

You need to organise your loan repayments through Centrelink on a fortnightly basis that will allow you to repay the loan in 12 to 18 months.


Your repayments will go back to the NILS pool of funds from which other members of the community can also access NILS loans. You are able to apply for another loan once you have repaid outstanding loans, or prove the capacity to repay another loan.

Where to apply or get more information?

You may contact or visit any of our NILS sites below or one closest to you. Our team will be happy to answer your questions and help you prepare your application.






Northern Sydney



Woy Woy


Please note that loans are NOT approved for the following:

Bonds and rent, food, bills (gas, electricity, telephone, etc.), cash advances, fines or penalties, debt repayment/consolidation, removalist costs (unless leaving family violence), car repairs other than tyres and windscreens, used cars, second-hand goods, lay-by, microenterprise (including tools/equipment to be used for starting up a business), airfares, clothing and bundling small goods (e.g. kettles, toasters, blenders and sandwich press etc.)