What is the No Interest Loans Scheme?

The No Interest Loan Scheme® (NILS) provides interest-free loans for individuals or families on low incomes to access credit for the purchase of essential goods and services. As loans are repaid, the money is lent out to other members of the community to utilise this service.

Who can access this service?

Anyone who has:

  • a low income or is eligible to hold a Centrelink, Health Care card or Pension card
  • lived in the Local Government Area for at least three months
  • demonstrated ability to commit to regular repayments

Where is the service located?

Northern Beaches NILSNorthern Sydney NILS; Newcastle NILS; Wagga Wagga NILS; Caroline Chisholm NILS; Illawarra NILS; Ulladulla NILS; Wyong NILS; Woy Woy Peninsula NILS; Hornsby NILS.

Who benefits from the No Interest Loans Scheme?

People on low incomes who wish to improve their quality of life with the purchase of essential items/services through our No Interest Loans and their families, local retailers and the local community.

Can I volunteer for this service?

Volunteers must be over 18 years old. Volunteers are very welcome with places subject to availability. Please see our Get Involved page for more volunteering opportunities.

How can I find out more about the No Interest Loans Scheme?

You may contact any of the below listed programs for more information or for NILS Schemes listed outside of St Vincent de Paul Society you can contact the NILS Hotline on 1800 509 994 weekdays from 9.30am to 4.30pm.

How can I contact this service?

Northern Beaches NILS
684 Pittwater Rd Brookvale,
Brookvale, NSW 2100
Phone: (02) 9905 0424
Email: nils.brokenbay@vinnies.org.au
Open: Tuesday, Thursday

Northern Sydney NILS
287 Victoria Avenue,
Chatswood, NSW 2067
Phone: (02) 9419 4236 ext 2
Fax: (02) 9413 4407
Email: nilschatswood@vinnies.org.au
Open: Thursday, Friday, every 2nd Tuesday

Newcastle NILS
2/956 Hunter St,
Newcastle, NSW 2300
Phone: (02) 4032 3583
Fax: (02) 4967 6233
Email: newcastlenils@vinnies.org.au
Open: Tuesday and Thursday

Wagga Wagga NILS 
53 Gurwood Street,
Wagga Wagga, NSW 2650
Phone: 0418 626 908
Email: nils.wagga@vinnies.org.au
Open: Monday to Thursday, 9am-2pm

Caroline Chisholm NILS
94 Kurrajong Avenue,
Mt Druitt, NSW 2770
Phone: (02) 8804 3434
Fax: (02) 8622 0382
Email: nils.cccsj@vinnies.org.au
Open: Monday and Wednesday 9am – 3pm

Northern Illawarra NILS
67 Railway Street,
Corrimal, NSW 2518
Phone: (02) 4283 3730
Fax: (02) 4284 1533
Email: corrimalcentre@svdpwgong.org.au
Open: By appointment

Ulladulla NILS
251 Green Street,
Ulladulla, NSW 2539
Phone: (02) 4455 5666
Fax: (02) 4454 2996
Email: NILS.Ulladulla@svdpwgong.org.au  
Open: Tuesday, Thursday

Wyong NILS
47 Howarth Street,
Wyong, NSW 2259
Phone: (02) 4356 6700
Email: NILSWyong@vinnies.org.au
Open: By appointment

Woy Woy Peninsula NILS
St Vincent de Paul Society, First floor, 41 The Boulevard
Woy Woy NSW 2256
Phone: 02 4344 3261
Email: nilswoywoy@vinnies.org.au
Open: By appointment

Hornsby NILS
41 Jersey St
Hornsby NSW 2077
Phone: (02) 9477 5010 ext 7
Fax: (02) 9482 2048
Email: NILSHornsby@vinnies.org.au
Open: By appointment