No Interest and No Charges. EVER.

Washing machine broke down? Unexpected car repairs? Car registration due? Need a new laptop for work or school? Moving and need support with bond or rent in advance?

Unexpected expenses are bound to pop up from time to time. No interest loans (NILs) helps you manage your money, and you only need to pay back what you borrow, nothing more.

How It Works

Step 1

Apply for No Interest Loan Scheme via the form below.

Step 2

Once your application is approved, submit your invoice.

Step 3

NILs will pay the cost of these essentials straight to the supplier or shop.

Note: Loans cannot be used for cash, bills or debts.

How Much Can I Borrow? How Long Do I Have to Repay It?

NILs allows individuals to access fair, safe and affordable credit to purchase essential goods and services up to the maximum of $2000 AUD.

For certain loan purposes (e.g. bond and rent in advance) or in circumstances where a natural disaster has impacted you, we may be able to provide up to $3000 AUD.

The maximum loan repayment term is 24 months.

What You Can Use The NIL For

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

  • Household items (e.g. appliances, whitegoods and furniture)
  • Car repairs and registration
  • Medical, dental, wellbeing and life event expenses
  • Electronic devices (e.g. a phone or laptop)
  • Education expenses (e.g. tuition fees or uniforms)
  • Employment expenses (e.g. licenses or equipment)

Borrow up to $3,000 for:


  • Bond and rent in advance
  • Rates
  • Costs associated with a natural disaster

Note: CLICK HERE for the full list of categories available for use of NILs.  Loans are paid directly to the supplier and cannot be used to repay debt(s) or for ongoing general living expenses like food. 

Eligibility Requirements

To be eligible for NIL, you must:


  1. Have a healthcare care/pension card; or
  2. Have an annual income of less than $70,000 (before tax) as an individual, or $100,000 (before tax) if you have a partner or children; or
  3. Have experienced family or domestic violence in the last 10 years; AND
  4. You are residing in your current premises for more than 3 months; AND
  5. You are able to show that you can afford to repay the loan

Ready to Apply? Download the Form and Contact Us Today.

Fill in this application form and submit it to us via email.

Contact us with the completed form to book an appointment.