No Interest Loan Service


Interest-free-loans for eligible low-income applicants.
SCOAP Inc Emergency Relief (SERF) Logo

What is NILS?

NILS means No Interest Loan Scheme (NILS), which is Interest-free-loans for eligible low-income applicants. It is a community-based program offering loans for the purchase of essential goods and services. It provides individuals and families on low incomes with access to safe, fair and affordable credit.

What Does NILS Offer?

No fees or charges

There are no hidden fees or charges to access this service

No interest

There is no interest on the loans provided

Up to $1,500

Depending on cost of item/service and subject to approval.

Fortnightly repayments

Affordable amounts over 12 to 18 months (Loan repayments, starting from as low as $20 per fortnight, can be deducted directly from your Centrelink benefit for a 12-18 month period).

What Counts as an Essential Goods or Service?


Washing Machine


Course Fees

Medical & Dental Services

Education Essentials

Vet Bills

Funeral Bills

What Can’t I use SERF for?







This Service Might Be Right For You

The next step is to further check your eligibility for SERF and find out more about the service.