No Interest Loan Scheme (NILS)

Helping you access
the essentials in life

graphic of leaves

No Interest Loan Scheme loans can be used for the purchase of essential goods and services up to $1500. Repayments are set at an affordable amount over 12 to 18 months.

An Intereach staff member will meet with you to explain the process and gather the information required. It is then submitted for assessment. Intereach delivers NILS loans in partnership with Good Shepherd Microfinance.

Loans can be used for:
  • Fridges;
  • Washing machines;
  • Stoves;
  • Dryers;
  • Freezers;
  • Furniture;
  • Some medical and dental services;
  • Education essentials such as computers and textbooks, or some other item as requested; and,
  • more
Loans cannot be used for
  • Cash;
  • Bond;
  • Rent arrears;
  • Debt consolidation; or,
  • Holidays or bills.

Frequently asked questions

To be eligible, you must have:

  • A Health Care Card/Pension Card or earn less than $45,000 a year after tax ($60,000 for couples or people with dependants);
  • Have lived in your current or previous address for at least 3 months; and
  • Can show that you have a capacity to repay the loan.

Loans are interest free, have no application fee and repayment plans are agreed upon to suit your circumstances. The repayments are deducted from your Centrelink benefit through the Centrepay system.

Where is it available?

Community members can access loans via any Intereach office in New South Wales or by phone.

NILS loans are also available Australia wide. To find your local provider visit

Need more information?

Download our resources below.