What Is NILS?
The [No Interest Loan Scheme (NILS)](https://nils.com.au/) provides safe, fair and affordable loans to people on low incomes of up to $1500 with no interest, fees or charges.
What Is NILS?
The No Interest Loan Scheme (NILS) provides safe, fair and affordable loans to people on low incomes of up to $1500 with no interest, fees or charges.
WHAT ARE THE LOANS FOR?
Loans are for significant or essential goods and services.
A NILS can be used for:
- Household items like fridges, washing machines, TVs and furniture.
- Technology such as a computer, laptop, tablet or mobile phone.
- Some medical and dental expenses including mobility scooters and wheelchairs.
- Education expenses such as course fees and school camps.
- Car repairs, tyres, registration and driving lessons.
- Other expenses like vet costs or relocation and funeral costs.
DO I QUALIFY FOR NILS?
To qualify you must:
- Be on a low income / hold a concession card.
- Reside in your current premises for more than 3 months (this can be waived in exceptional circumstances).
- Show a willingness and capacity to repay loan.
HOW DO I APPLY?
For more information about how to apply [contact a NILS provider](https://nils.com.au/find), contact NILS on 13 64 57 or the Affordable SA Helpline on 1800 025 539.