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 Nils?

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

Am I eligible?

To be eligible you must:

Have a Health Care/Pension Card or earn less than $45,000 (after tax), and

have lived in your current or previous residence for at least 3 months, and

Show a willingness and capacity to repay.

How does it work?

Nils is circular community credit. Every repayment you make, can then be used by someone else.

What can you buy with a Nils?

Household Equipment like fridges, washing machines and clothes dryers

Technology including laptops and other computer equipment

Household Equipment like fridges, Furniture items like beds, lounge suites or baby furniture

Outdoor Equipment such as lawn mowers or barbeques

Health Items, for example, asthma pumps, dentistry, optometry

Motor Vehicle-related registration, repairs, tyres and selected other costs

Nils can’t be used for rent, bond, bills, debt or cash.

How can I apply?


To apply online, continue below to find the process.


If you aren’t familiar or don’t have access to email, please call 9673 1211


If you’d like to know more about Nils, please call 9673 1211

How long does assessment take?

Once a loan application is submitted, it’s typically 24-48 hours when the loan assessor will contact you with your outcome.

The loan application process can be done in less than an hour if you provide the enquiry form and all supporting documentation beforehand.

APPLY ONLINE (to come)


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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