Our loans
Essentials
 house icon

For the purchase of new items and services

We lend up to $2,000


For essentials such as:

  • Car registration & repairs
  • Fridges & freezers
  • Computers & tablets
  • Home furniture
  • Medical & dental services
  • Bond & rent in advance
Tick Icon
No interest
Tick Icon
No fees or charges
Tick Icon
No credit checks
FIND OUT MORE
MicroBusiness
 Light Bulb Icon

Start a new business or boost an existing one

We lend up to $3,000


Realise your small business dream!

  • Bring in some extra income and gain independence
  • Access local business development advice and support
Tick Icon
No interest
Tick Icon
No fees or charges
Tick Icon
No credit checks
FIND OUT MORE
Cash Icon

WE DON'T:

  • Lend money for food or bills
  • Give you cash
  • Lend money for second hand goods
Vertical Line Break
Tick Icon

TO QUALIFY YOU NEED:

  • A current healthcare card, pension card, DVA card, or low income healthcare card. Or have a gross income of $55,000 or less.
  • To live in stable accommodation (exceptions can be made in some cases).
  • Capacity to repay the loan.
Why use NILS?
Look at the real cost of rented goods:
Latest news