No Interest Loan Scheme

The No Interest Loan Scheme (NILS) provides individuals and families on low incomes with access to safe, fair and affordable credit.

Loans are available for up to $1,500 for essential goods and services such as fridges, washing machines and medical procedures. Repayments are set up at an affordable amount over 12 to 18 months.

To be eligible for NILS you must have a Health Care Card or earn less than $45,000 a year (after tax). Loans cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills.

To make an appointment for NILS please phone on 5986 1285 or drop into SPCS and our friendly reception staff will book you in.

(NOTE: During the pandemic all appointments need to be done by phone)

To find out more about NILS please visit