No Interest Loan Scheme

The No Interest Loan Scheme (NILS®) offers small loans up to $1,500 (higher amounts possible see below) to people on low incomes to assist with purchasing essential items and services without any fees, charges or interest rates.

NILS® is available to those who hold a current Health Care Card, receive a Centrelink payment, or receive an income of less than $45,000 per year.

Loans can be used to purchase household appliances, furniture, household repairs, health/mobility items, computers, education costs and car repairs and registration.

Contact us for further information.

Phone: 03 5986 1285 or Email:

Loans cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills. NOTE: See below for Family Violence exception.

Our trained volunteers are available for appointments between 10am – 2pm on a Monday, Tuesday and Wednesday. To make an appointment for NILS please phone on 5986 1285, email or drop into SPCS (when we reopen) and our reception staff will book you in.

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

Other Helpful Information

Loans are repaid over 12 months (standard) to 18 months (exceptional circumstances). 

Repayment depends on the loan amount and it could be from $25 to $57 per fortnight.

There are two or three options available for ways in which loans can be repaid.  Your Interviewer will discuss this with you during your interview.

You are eligible if you have a Health Care Card / Pension Card or earn less than $45,000 a year after tax ($60,000 for couples or people with dependants) and you can show that you have the capacity to repay the loan.

For women affected by family and domestic violence there is a FDV NILS option. Loans can be used for bond & rent, legal costs, security items, removalist and transport costs, car registration and repairs, furniture and whitegoods, utility bills, technology, medical & dental, education & employment tools/equipment .

Borrow up to $2000.

For vehicles linked to essential day-to-day use including:

  • car (must be registered),
  • motorcycle,
  • scooter / mobility scooter,
  • boat,
  • first year registration and stamp duty (for purchase of vehicle).

Borrow up to $5000.