Skip to main

No Interest Loans Scheme (NILS)

No Interest Loans Scheme (NILS).

Sometimes life throws things your way that you haven’t planned for financially. Your car breaks down and needs urgent repairs, or you won’t get to work next week. Your heater stops working in the middle of winter and your kids are getting sick. Your fridge bites the dust.

The No-Interest Loans Scheme (NILS) can give you safe, fair and affordable credit, when you need it most. Your NILS loan can give you up to $2,000, for the purchase of things like household items, car repairs and registration, medical expenses, technology and education.

Are you eligible for a NILS loan?

Use Anglicare’s interactive Get Help tool to find out now!

No interest, no worries!

What’s great about NILS loans?

No hidden fees
No extra charges
No credit checks
No interest. Ever

Am I eligible for a NILS loan?

To successfully apply for a NILS loan, you’ll need to be able to prove that you meet the following criteria:

  • You have a Health Care or Pension Card or can demonstrate that your take home pay is under $57,000 pa for a single or $75,000 pa for a couple or people with dependants.
  • You demonstrate a willingness and ability to repay the amount that you borrow. Your loan can be repaid over a period of 24 months and Anglicare’s friendly team will work out an affordable repayment plan with you.

In addition to helping pay for what you need as soon as you need it, these affordable loans are also a way for you establish a repayment record, which can assist you in your future financial dealings.


Download our information booklet

Find out more about the No Interest Loans scheme

Frequently asked questions

Are you eligible for a NILS loan?

You can find out now. Use Anglicare’s interactive Get Help tool.

Anglicare acknowledges Aboriginal and Torres Strait Islander peoples as the original and ongoing custodians of the lands and waters on which we live and work.

Inspired by the gospel of reconciliation in Jesus Christ, Anglicare's vision for reconciliation is a nation in which Australia's First Peoples are restored in dignity, respect, empowerment and opportunity..