No Interest Loans Scheme (NILS)

How the No Interest Loans Scheme Works

No Interest Loans are available to help people on low incomes buy essential household items or services. Watch the clip or read below to see who is eligible, how the No Interest Loans Scheme (NILS) works and how to apply for a No Interest Loan.

What is a No Interest Loan?

  • No Interest Loans are available to buy essential household items or services
  • You only repay the amount borrowed – no interest is charged on the loan
  • Easy automatic repayments are available
  • People living on low incomes have easy access to affordable, fair and safe credit, up to $1,500

What can I buy with a No Interest Loan?

  • Household Equipment like fridges, washing machines and clothes dryers
  • Furniture items like beds, lounge suites or baby furniture
  • Technology including laptops and other computer equipment
  • Outdoor Equipment such as lawn mowers or barbeques
  • Health Items, for example, asthma pumps, dentistry, optometry
  • Motor Vehicle-related repairs, tyres and selected other costs

Are there any things I can’t use a No Interest Loan for?

  • NILS can’t be used for emergency relief, bond payments or debt repayments
  • NILS can’t be taken out as cash

How do I apply for a No Interest Loan?


It’s easy to apply, just call 9673 1211 and speak to one of our friendly NILS Advisors.

Bridging the Gap, in partnership with Good Shepherd, is proud to be an accredited NILS provider. Our service is called Nepean NILS and we serve the Penrith and Blacktown Local Government areas.


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