No Interest Loans Scheme (NILS)

Want to find out if NILS is available in your area? Head to the Vinnies Queensland portal to find services in your local area.

What is NILS?
The No Interest Loan Scheme (NILS) is a community credit program as one loan is repaid another loan can be given out. The NILS scheme will  lend up to $2000 to low income earners with repayments from $35 per fortnight. This is for the purchase of essential goods and services, such as white goods (refrigerators, washing machines), medical/dental services, car registration (six months) and other household items.

Who can access these loans?
To be eligible to apply you must:

  • have been at your current address for a minimum of three months
  • be classified as low income earner or receive a Centrelink payment
  • be over the age 17.

Where is the NILS located?
NILS currently operates across Queensland.

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

Can I volunteer for NILS?
Yes, Volunteers must be over 18 and will undergo a suitability screening upon application.

How can I find out more?
For more information about the NILS program, please phone 1800 846 643 and select option 4, or email