Frequently asked questions


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NILS Essentials Loan


Yes! NILS doesn’t do any credit checks, so people with bad credit can get medical loans for things like treatment costs and mobility equipment.



Yes, NILS can provide loans if they are for essentials or if they’re to start your micro business. However, NILS does not provide cash loans.

Need a loan for something more specific? Leave our team your question via the contact form, and we may be able to help.



Yes, NILS can provide loans for household essentials like fridges, washers and furniture. Please be aware that NILS Tasmania does not provide cash loans for essentials.



A NILS Essentials loan is the best loan for pensioners and low-income Tasmanians seeking no-interest loans for household essentials.

NILS can provide loans to pensioners if it falls under the “essentials” category. See https:// nilstasmania.org.au/Website/Essentials for a list of essentials that NILS can pay for.



Yes. NILS can lend up to $3,000 for rates. The property must be your principal place of residence.



A NILS essentials loan is an interest free loan of up to *$2000 for essential household items, goods and services. This loan is not subject to any credit checks. * please note that the increase from $1500 to $2000 is from the 1st of July 2022.



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

You need to live in stable accommodation (exceptions can be made in some cases), 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 **



There are 3 ways to reach us:

  1. Leave us a message via our website: https://nilstasmania.org.au/Website/Contact
  2. Call us at 1300 301 650
  3. Chat with us on Facebook messenger: https://facebook.com/NILSTasmania/


Yes! NILS can cover your car repairs.



Can NILS Pay for a bond?

Yes, but please try other services such as Housing Connect first to see if you qualify for assistance via state government funding.   

We don't want you to take out a loan when you might not need to. Please contact Housing Connect on 1800 800 588 to see if you qualify.



NILS can provide No Interest Loans for low-income earners to purchase an essential vehicle up to a value of $5000.

Essential vehicles include cars, scooters, mobility scooters, motorcycles and boats.



It depends on the loan you take out. It could range from 12-24 months.





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, DVA or low income card. Or you need to have a gross income of $55,000 or less.

You need to live in stable accomodation (exceptions can be made in some cases), 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