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

Our friendly staff are here to help
if you need any assistance applying for your NILS loan!




Loans up to $2,000

for those escaping domestic violence

Repayments are set at an affordable amount over 12 to 18 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 $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.

*special circumstances may be considered.

How Do I Apply?


  1. Complete and submit our Enquiry form.
  2. Send us a quote 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 your registration papers or other proof of ownership.** 


  1. Provide a list of bank transactions (not a Statement) for 90 days – up to the current date for your everyday account(s).
    This is the account(s) showing your income and expenses. If you use different accounts, we will need all of them.


Once we have your enquiry form, quote and bank transactions, we will help you provide additional information about your housing, utlities and other expenses such as loans or payment for Afterpay, Openpay, HUMM etc.

You can send this information to us via email or text. We can also confirm some expenses via phone.

Please don’t worry as we are here to help you.

For more information about the information we need, please read our Supporting Documents list.


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 file, which includes some suggestions that may help you send your information to us.  HRNILS Supporting Documents

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