Frequently asked questions


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NILS Essentials Loan


A NILS essentials loan is an interest free loan of up to $1500 for essential household items, goods and services. This loan is not subject to any credit checks.


To qualify you need a current healthcare, pension, or DVA card. Or you need to have a gross income of $55,000 or less.

You need to live in stable accomodation, and have the capacity to repay the loan.



There are no fees, charges or interest. You only repay what you borrow.


You will first need to put your enquiry in with NILS either online here or call 1300 301 650. You will then be sent an information kit which will outline what documents you need. In the information kit there will be a list of our Delivery Partners that you can contact to make your appointment with to assist you with submitting your application. You will need to take all of the required documents along to the appointment with you.


After your application is submitted, in generally takes a week to hear if you are approved.


Fridges & Freezers

Car Repairs

Car Registration

Home Furniture

Medical & Dental Services

Education costs including computers, tablets, uniforms, text books & school trips

Just ask us!

** NILS do not do cash loans or lend for payment of any bills (including Aurora), consolidation of any type of debts or holidays **

MicroBusiness Loan


A MicroBusiness Loan is to assist people to either help start up a new business or help grow an existing business. This loan is not subject to any credit checks.


The maximum loan amount is $3,000. A special exception top up loan up to $1500 may be available to clients on application. These are only available in certain circumstance and only one half of the original loan amount is paid down.


There are no fees, charges or interest. You only repay what you borrow.


The repayments on a $3,000 loan is $60 per fortnight over approximately 24 months. We can either set up the repayments through Centrepay deduction or you can set up a direct debit through your bank institution.


To qualify you need a current healthcare, pension, or DVA card. Or you need to have a gross income of $55,000 or less.

You need to live in stable accomodation, and have the capacity to repay the loan.



Contact your local Business Enterprise Centre Advisor

Or if on the NEIS Scheme Contact your Programme Consultant

If you would like further information about the application process please contact NILS on 1300 301 650 or by email microbiz@nilstasmania.org.au