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

You may find it difficult to reach us by phone due to the high number of calls.
We understand that this can be frustrating.

Please know the phone is busy because we are helping someone else.

If you Press 2 and leave a message it will be sent directly to our email address.
We check our emails regularly, and we will return your call as soon as we can. 

If you don’t Press 2 and leave a message, we won’t know you’ve tried to contact us. 




Depending on your circumstances.

Repayments are set at an affordable amount over 12 to 24 months

Hunter Region NILS (HRNILS) is a not for profit organisation and an accredited member of the NILS Program; governed by Good Shepherd Australia New Zealand (GSANZ), and supported by the Australian Federal and State Governments, and NAB.

We provide access to NILS loans for eligible community members
throughout the Hunter Region.

If you live outside the Hunter Region, you can find your nearest NILS provider here.




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 you make,
is used to help someone else.

Am I Eligible?

To be eligible for a NILS loan, you must:

  • Have a Pension or Health Care Card OR

    Earn less than $57,000 (after tax) for singles OR less than $75,000 (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.

*special circumstances may be considered.

How Do I Apply?

STEP 1: Complete and submit or return our Enquiry Form.

Both online and printable enquiry forms are provided below.

    STEP 2: Provide the following documents:

    1. 100 or more Points of ID – more information is provided in our Enquiry form.
    2. Quote(s) for the item(s) you wish to purchase.
      Please include direct payment details (BSB, Account number & Reference).
      **If your loan is for car expenses we will also need a copy of your registration papers or other proof of ownership.**
    3. List of bank transactions (not a Statement) for the last 90 days showing your income and expenses.
      **If you use more than one account, we will need all of them.


      If you pay for your rent and utilities via Centrepay, or we can see regular payments for rent and utilies in your bank transactions, we can book your telephone interview as soon as we recieve the above information.

      *If we’re unable to confirm your income and expenses using your bank transactions or Centrelink Statement, we’ll need to obtain additional information before we can proceed with your loan. 

      To get your loan as soon as possible, download a copy of our handy ‘reminder sheet’  to make sure you send the information we need. 

      Please don’t worry: take one step at a time, and remember we are here to help.  



      When we have all the information we need, we will:

      1. Book your telephone interview.
      2. Help you create and submit your application for assessment.
      3. You will then be contacted with the outcome of your application within 24-48 hours after your application has been submitted for assessment.
      4. If approved, payment will be made on your behalf, and delivery or pick up details can be organised.

      Please click the button below to complete our Online Enquiry form

      Or print out a copy of our  MANUAL ENQUIRY FORM.

      How long does it take?

      In most cases, this will depend on how long is takes you to complete the Loan Enquiry stage,  and provide your supporting documents.

      Once your loan is submitted for assessment, you will be contacted within 24-48 hrs with the outocme.  

      To get your loan as soon as possible please take some to time to read our Supporting Documents ‘reminder sheet’. You can downlod it to your phone or take a screen shot to keep it close to hand.

      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, please click here