No Interest loan - online application
What is NILs?
No Interest Loans (NILs) enables people and families with access to fair, safe and affordable credit to purchase essential goods and services. Loans are free from fees, charges, and interest. Pay back only what you borrow. NILs is a smart choice financial option to help you pay for essentials and get what you need right now. No Fees. No Charges. Ever.
What can I use a loan for?
Borrow up to $2000 for essential goods and services including:
- Household items like appliances, whitegoods & furniture
- Car repairs
- Medical, dental, wellbeing and life event expenses
- Technology like a computer or laptop (up to $2000 limit)
- Technology like a phone, tablet and other small electronic devices (up to $1000 limit)
- Education expenses like fees or uniforms
- Employment expenses like licenses or equipment
**IMPORTANT** Please read before completing application.
Loans are paid directly to the supplier and cannot be paid to the borrower in cash. Loans cannot be used to repay debt(s) like rent or electricity arrears or for ongoing general living expenses like food or fuel.
We are NOT a NILS 4 Vehicles provider and are unable to accept applications for the purchase of vehicles. For more information on the NILS 4 Vehicles program please contact 1300 645 748 .