No Interest Loans Scheme (NILS)

Furthermore, no form of security is required over the loan period, which includes the goods purchased with the loan.

NILS was originally developed by the Good Shepherd Sisters, and the loans process is based upon the principles of dignity and respect.

How much can I borrow?

• Borrow up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support your wellbeing.

• Borrow up to $3000 for housing related expenses such as bond or rent in advance, or for recovery from a natural disaster.

What can I use a NILs loan for?

Loans up to $2000 for essential goods and services including:

·       Household items like appliances, whitegoods & furniture

·       Car repairs & registration

·       Medical, dental, wellbeing and life event expenses

·       Technology like a phone or laptop

·       Education expenses like fees or uniforms

·       Employment expenses like licenses or equipment

Loans up to $3000 for:

·       Bond & rent in advance

·       Rates

·       Costs associated with a natural disaster