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 unattended,
we are still conducting telephone interviews.

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




Loans up to $2,000

for those escaping domestic violence

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

Hunter Region No Interest Loans Scheme Inc. (Hunter Region NILS) is a not for profit organisation and an accredited member of the NILS Program; governed by Good Shepherd, 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?

The Steps to apply for a loan are:

  1. Carefully read, complete and submit our application form.
  2. Gather your supporting documents and forward them to us.
  3. As soon as we receive all your essential supporting documents, we will contact you to organise a telephone interview.
  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.

To complete the application form online, please click on the button below.

Of course, if you would like to complete the application form by hand, you can download and print  a copy of our Standard Application Form here.

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. To ensure you get your loan as soon as possible make sure you include all your 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