Hunter Region No Interest Loans Scheme Inc.

Hunter Region No Interest Loans Scheme Inc.

Hunter Region No Interest Loans Scheme Inc.

Hunter Region No Interest Loans Scheme Inc.

Need help to buy a new fridge or washing machine?

Or help to register or repair your car?

Do you need new furniture, TV or help with school expenses?

Do you need help to pay for medical expenses or items?

Maybe a NILS loan can help you



While our office is currently closed,
we are still conducting telephone interviews.

Applying for your NILS loan will be a little different, so please bear with us.
We are still here, and hope to help as many people as we can.

We hope you stay safe and well during this difficult time.





Loans up to $2000

for those escaping domestic violence

depending on your circumstances

Repayments are set at an affordable amount over 12 to 18 months

Hunter Region No Interest Loans Scheme Inc. (Hunter Region NILS) is a charitable organisation and an accredited member of the NILS Program, governed by Good Shepherd Microfinance, and supported by the Australian Government and NAB.

What is NILS?

The No Interest Loan Scheme is an alternative line of credit for individuals and families on low income. NILS provides small loans with no fees, interest or charges. Developed by the Good Shepherd Sisters in Victoria in 1981, NILS is now available throughout Australia, and New Zealand through accredited NILS Providers.

How Does NILS Work?

The NILS loans process is based on dignity and respect, and uses ‘circular community credit’. This means every repayment made by current borrowers is used to fund loans to others in the community.

Am I Eligible?

To be eligible for a NILS loan, you must:

  • Have a Pension or Health Care Card OR

    Earn less than $45,000 (after tax) for singles OR less than $60,000 (after tax) for couples or people with dependents (after tax).

  • Have lived at your current address or previous address for at least 3 months.

  • Show a capacity and willingness to repay your loan.

How Do I Apply?

We have created an editable application form that can be completed using a computer, most mobile phones or tablets. This form is very new and not yet available on our website. However, we can email a copy to you.

If you would like to apply online, please email or call our office on 02 49877660 and leave your name and phone number. NB: we are checking messages daily and will contact you as soon as we can. 

 Of course, you can still download a copy of our standard Application Form.

  1. Please carefully read the application form; especially, the information that has been highlighted in blue.
  2. Please return the completed form and your supporting documents to us either via email or text message. NB: suggestions and tips have been included to make forwarding your documents a little easier.
  3. As soon as we receive your application we will contact you to book your telephone interview time.
    NB: if we need to confirm some of your expenses during your interview this can make the process longer as many call centres are currently busier than normal. Please keep this in mind when we book your interview time. 
  4. Once we have finalised your application; including your budget, your loan application will be submitted for assessment.
  5. You will be contacted with the outcome of your application within 24-48 hours after your loan has been submitted.
  6. If your loan is approved, payment will be made directly to your supplier on your behalf.

Our Resources page includes a copy of our application form, and other documents & forms that you may find helpful.

How long does it take?

How long it takes for your loan to be approved will, in most cases, depend on you. Loans cannot be submitted for assessment until all required information is provided. Once submitted, the process should take between 24-48 hours.

For handy tips to get your loan quicker, click here.

What can I buy?

NILS Loan Are Available for:

  • Educational expenses
  • Household appliances
  • Household furniture
  • Health expenses
  • Technology
  • Car related items

For full list, please click here 

NILS Loans Cannot Be Used For:

  • Rent or bond
  • Bills or debts
  • Cash or holidays

For full list, click here