Call (02) 4276 2224
for all enquires

Southern NILS (No Interest Loan Scheme) is a program that aims to provide no interest loans to people on low incomes . 

The loan can be for household items (furniture, technology, white goods), education expenses, medical equipment or car registration/repairs.  The term of the loan is usually 12 months and the maximum loan amount is $1,500. 


To qualify you need to be in stable housing, on a low income and show a willingness/capacity to repay the loan.  This is done in an interview with a NILS consultant.

Applications can be made by making an appointment on 4276 2224.  We usually book appointments on a Monday for the following week.

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​If you are interested in the scheme and would like to know more please contact a Nils Consultant on

(02) 4276 2224 – Monday to Thursday, between 9am to 3.30pm.