No Interest Loans (NILs): 0% Interest, No Fees—Ever

 Unexpected expenses? NILs offers up to $2,000 for essentials (appliances, car repairs, laptops, or medical costs), and up to $3,000 for rental bond or natural disaster recovery. NILs pays your supplier directly, you only repay what you borrow. No cash, no bills, no debts—just practical support when you need it most. 

 How it works:

• Apply with a quote for what you need
• NILs pays the supplier or vendor directly
• No interest, no fees, ever

 How it works:

• Apply with a quote for what you need
• NILs pays the supplier or vendor directly
• No interest, no fees, ever

  Eligibility:

• Health Care or Pension Card, or
• Income under $70,000 (single) or $100,000 (with partner/dependents), or
• Experienced family/domestic violence in the last 10 years
• Lived at your address for at least 3 months
• Able to repay the loan

   Ready to apply?