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No Interest Loans Scheme (NILS ®)

NILS is a community-based program that enables people to access fair, safe and equitable credit for the purchase of goods and services. It offers a form of revolving community credit to low income earners - as borrowers repay their loans the funds become available to lend to other people.

Developed by Good Shepherd Youth & Family Service nearly 30 years ago, the No Interest Loan Scheme (NILS) has both federal government and the National Bank support. NILS offers small, (up to $1200) no interest loans for the purchase of essential household goods, medical equipment and some other items.
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Success Stories

  • Kathie (not her real name) is a single mum. With two children at school she knew her old computer was no longer good enough, and that it was important to get a better computer to help with school assignments and homework, especially for her older child. Read More...


  • Mike (not his real name) was worried when his hot water service started playing up and winter was approaching. When he enquired with a local church agency about borrowing some money to fix it, he was surprised he could get a NILS® loan to purchase a new one. Read More...


Salisbury Emergency Relief Fund

SERF is funded by the Department of Families, Housing, Community Services and Indigenous Affairs (FaHCSIA).
Emergency Relief (ER) aims to support and improve the lives of Australians including those in financial Crisis. Find out more...

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