Safe, fair and affordable No Interest Loans

Borrow for essentials like appliances, education, car repairs, medical and more. No fees. No interest. Ever.

Check eligibility Other supports
  • Mobile-first, plain language
  • Help in multiple languages (coming soon)
  • Call-back within 2 business days (typical)
Smiling person looking ahead

We never charge interest or fees. Ever.

What can NILs help with?

Community NILs

For essentials like whitegoods, medical, education, technology, and bonds.

Learn more

NILs for Vehicles

For buying a car, critical repairs, registration or insurance.

Learn more

Disaster relief

Support for essential items and emergency repairs after a disaster.

Learn more

How it works

  1. 1 Check eligibility
  2. 2 Check affordability
  3. 3 Submit enquiry

Real stories

“NILs helped me replace my fridge. No interest meant I could keep on top of other bills.” — Jess, VIC
“Car repairs meant I could keep working. The process felt respectful and simple.” — Ahmed, NSW
“Staff walked me through every step. I felt safe and in control.” — Maya, QLD

How It Works: Part 1

How It Works: Part 2