No Interest Loans Scheme (NILS)
Safe, fair loans with no interest or fees for people on low incomes to buy essential items.
In this profile
- Explain what the No Interest Loans Scheme is and how it differs from regular credit
- Show who is eligible and the kinds of essentials it helps with
- Describe how the loans work, with no interest or fees
- Reassure readers that affordable, fair credit alternatives exist
- Direct readers to official channels for current details and eligibility
5 min
What it is
The No Interest Loans Scheme (NILS) provides safe, fair loans with no interest and no fees to people on low incomes. The idea is simple: you borrow a modest amount for an essential item, and you pay back only what you borrowed — nothing more. There is no interest, no fees and no hidden charges.
NILS is delivered by community organisations across Australia and is a trusted alternative to high-cost credit. You can find current details through official providers.
Who it helps
NILS is for people on low incomes, including many people receiving certain government payments. It is designed for those who need to buy something essential but cannot easily save for it or access fair credit. Typical uses include essential household goods, some education and medical costs, and other items that improve daily life.
If you are tempted by a payday loan or expensive store finance, NILS is well worth exploring first. You can also review your broader options on our support services guide.
What help it offers
NILS offers small no interest loans for essential goods and services. Because there is no interest or fees, the loan stays affordable and predictable, which helps you avoid the debt spirals that high-cost credit can cause. Repayments are set up to suit your budget, often over a period of months.
Many providers also offer friendly guidance and may connect you with a financial counsellor if you need wider budgeting support. It is a respectful, no-pressure way to manage essential costs.
How to get in touch
You can find a NILS provider and learn how to apply through official community channels — please check the official website for current details, including eligibility, loan amounts and what documents you need, as these can change.
If you are also dealing with existing debt, the National Debt Helpline on 1800 007 007 connects you with a financial counsellor. If you are feeling overwhelmed, Lifeline on 13 11 14 is available any time.
Key takeaways
- NILS provides safe loans with no interest and no fees for people on low incomes
- Loans are for essential items and you repay only what you borrowed
- It is a trusted alternative to payday loans and high-cost store finance
- Check the official website for current eligibility, loan amounts and how to apply
Frequently asked questions
Is there really no interest or fees?
Yes. With a No Interest Loan, you repay only the amount you borrowed — there is no interest, no fees and no hidden charges. Check the official website for current details.
Who can apply for NILS?
NILS is for people on low incomes, including many on certain government payments. Eligibility and loan amounts can change, so check with an official provider.
What can I use a NILS loan for?
Loans are generally for essential goods and services, such as household items and some education or medical costs. Check the official website for current details on what is covered.
This is general information, not legal or financial advice. Details can change — always confirm current contact details and processes on the organisation's official website.
Know who to turn to
A free, plain-English directory of the regulators, courts, schemes and services behind debt and credit in Australia.