Adelaide - Uniting Communities
What Is NILS?
The No Interest Loan Scheme (NILS) provides individuals and families on low incomes with access to
safe, fair and affordable credit.
Loan amounts are between $300 – $1,200 for essential goods and services such as fridges, washing machines and medical procedures.
Loans cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills. Repayments are set up at an affordable amount over 12 – 18 months.
WHAT ARE THE LOANS FOR?
Loans are avaibable for the purchase of essential goods and services.
These may include
Household items like fridges, washing machines, stoves, dryers, freezers and furniture Some medical and dental services
Education essentials such as computers and text books
Some other item as requested
DO I QUALIFY FOR NILS?
To qualify you must:
Have a health care card/pension card
Reside in your current premises for more than 3 months Show a willingness and capacity to repay loan