Fair credit. No interest. Ever.
Access fair, no-interest loans for the essentials that fall outside your NDIS plan.
The No Interest Loan Scheme (NILS) provides people on low incomes with access to safe, fair and affordable credit — with absolutely no interest, fees or charges.
Who is it for?
NILS is available to people who hold a Health Care Card or Pension Concession Card, or who earn less than $70,000 per year (after tax) for singles, or $100,000 for couples/families.
How it's funded
NILS loans are typically between $300 and $2,000, repaid over 12–18 months through manageable fortnightly repayments. There is no interest, no fees and no charges — ever.
What NILS can be used for
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Essential household items
Whitegoods, furniture, appliances and other household essentials.
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Medical and dental expenses
Out-of-pocket medical costs and dental treatment not covered by Medicare or your NDIS plan.
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Car repairs and registration
Keeping your vehicle roadworthy so you can get to appointments, work and community activities.
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Education and training
Course fees, textbooks, uniforms and other education costs to support your goals.
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Technology and equipment
Computers, tablets and other technology that supports independence, communication or employment.
Want to know more?
Talk to us about whether NILS is right for your situation. We'll walk you through the eligibility criteria and application process.