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NILS Loans Port Douglas

No Interest Loans when you need them most

Access fair and safe credit to buy essential goods and services

The No Interest Loan Scheme (NILS) is a national community-based program allowing people living on low incomes, access to fair and safe credit to buy essential goods and services.



Known as circular community credit, NILS was developed by community for community as a means of taking action to address local needs

Are you eligible for a NILS Loan?

  • Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children

OR

  • Have experienced family or domestic violence in the last 10 years

OR

  • Have a Health Care Card/Pension Card

AND

  • Have resided at your current address for at least 3 months
  • Be able to show you can afford to repay the loan
Enquire Now

Are you eligible for a NILS Loan?

  • Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children

OR

  • Have experienced family or domestic violence in the last 10 years

OR

  • Have a Health Care Card/Pension Card

AND

  • Have resided at your current address for at least 3 months
  • Be able to show you can afford to repay the loan
Enquire Now

What can you use a NILS loan for?

Essential goods and services – Up to $2000 including items such as:

  • Household items - fridges, washing machines, dryers, freezers, furniture etc.
  • Car repairs or registration
  • Medical/Dental expenses
  • Life events – funeral costs
  • Technology - phone, laptop etc.
  • Education expenses – fees, uniforms, books etc
  • Employment expenses – licences, equipment etc

What will you need to apply?

When you apply, you’ll need to provide:

  • 100 points of ID (driver’s licence, passport, Medicare card, Centrelink card, bank card, utility bills etc – must include proof of address)
  • Financial statements (bank statements, payslips, Centrelink statement, estimate of regular expenses)
  • Information on any existing debts (Afterpay, payday loans, rent to buy etc)
  • A quote or invoice that shows:
  • The date
  • A description of the item/service
  • Supplier’s details (business name, ABN, address, phone, or email)
  • Banking or payment details
  • Payment amount with delivery included


When applying for a NILS loan, there are NO credit checks – we’ll look at your ability to repay the loan and see if it is affordable with your current situation. We don’t look at your history.

What will you need to apply?

When you apply, you’ll need to provide:

  • 100 points of ID (driver’s licence, passport, Medicare card, Centrelink card, bank card, utility bills etc – must include proof of address)
  • Financial statements (bank statements, payslips, Centrelink statement, estimate of regular expenses)
  • Information on any existing debts (Afterpay, payday loans, rent to buy etc)
  • A quote or invoice that shows:
  • The date
  • A description of the item/service
  • Supplier’s details (business name, ABN, address, phone, or email)
  • Banking or payment details
  • Payment amount with delivery included


When applying for a NILS loan, there are NO credit checks – we’ll look at your ability to repay the loan and see if it is affordable with your current situation. We don’t look at your history.

NILS is provided in partnership with:

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Australian Government Department of Services logo
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FAQs about NILS loans

  • What are the fees and charges on a NILS loan?


    There are no fees, interest, or charges associated with a NILS loan – what you borrow is what you pay back.

  • How long do I have to repay my NILS loan


    We will work with you to determine your minimum repayments and how long it will take to pay off your loan.  All loans must be repaid within 12 months

  • How long will it take to be approved for a NILS loan?


    Depending on how many applications we are processing, most applications will receive a response within 14 days.

  • Is a credit check required for a NILS loan?


    When applying for a NILS loan, there are NO credit checks – we’ll look at your ability to repay the loan and see if it is affordable with your current situation.  We don’t look at your history.

FAQs about NILS loans

  • What are the fees and charges on a NILS loan?


    There are no fees, interest, or charges associated with a NILS loan – what you borrow is what you pay back.

  • How long do I have to repay my NILS loan


    We will work with you to determine your minimum repayments and how long it will take to pay off your loan.  All loans must be repaid within 12 months

  • How long will it take to be approved for a NILS loan?


    Depending on how many applications we are processing, most applications will receive a response within 14 days.

  • Is a credit check required for a NILS loan?


    When applying for a NILS loan, there are NO credit checks – we’ll look at your ability to repay the loan and see if it is affordable with your current situation.  We don’t look at your history.

Here’s what people say about the NILS program

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“I spent 3 years on my chair recliner due to my back problems. And OMG, I can actually sleep on a bed now. This has literally changed my life and I never would have been able to afford it without your help from Nils loan. I just have to tell you thank you so much. I am so happy to finally be back in a real bedroom again, thanks so much.” 



- Jade

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