Want to borrow?
We can lend you funds to buy new items and services, including:
We provide between $300 and $1,200 in no interest loans to help with items and services in these categories.
You pay from $20 to $37 fortnightly to repay your loan using Centrepay deductions.
We do not lend cash.
We do not lend to pay utility bills, rent or bond.
You are expected to pay your loan back over about 18 months.
We lend funds for new items only. This way you have a warranty and can expect the item to work for the whole time you are paying your loan.
*NILS can help with a one-off loan to pay for car registration. We strongly encourage clients to find an alternate method of paying for this recurring expense.
More questions about how it works? Click here for more information.
Do you qualify? Take our quick test to find out.
How do I apply? Fill out our online form to get your free InfoKit.
Your Rights and Responsibilities when you borrow with NILS are important. Please have a look at this information sheet for details on what we expect of you as a borrower as well as information about Appeals if your loan is declined.