No Interest Loan Scheme (NILS) Enquiry Form

Step 1 of 2: Submit

Please provide answers for all questions. Your form will be submitted by email and one of our NILS workers will contact you before sending out an information pack. Please note: eligibility for NILS is based on a number of factors and submission of this form does not guarantee that you will be approved for a loan at this time. You will be required to attend an interview for budget analysis prior to your application being submitted to the loan approval committee.


If your answer to any of the following questions is "No", you may be inelligible for a No Interest Loan at this time. A NILS worker will contact you to let you know if you are elligible or not.

1. Do you hold a current Health Care Card, receive a Centrelink payment or have a low income? (A 'low income' may be $40,000 p.a. or less depending on individual circumstances) 
2. Have you lived at the same address for at least 3 months or can otherwise show a continuing long-term connection to the area? 
3. Are you willing & able to repay a loan? (This is shown by how you are managing your current finances, incl. any existing arrears, & whether you are able to repay a loan without incurring hardship) 
4. Do you have any outstanding NILS loans? (Only 1 NILS loan is avail. at a time, but applications may be accepted if the original loan will be repaid by the time a new one is considered) 
7. Are the goods new and being sold by a registered business? (Cheques will not be made out to 'cash' or in the name of the borrower, family, friends or thrid party that is not a registered business) 
8. For statistical purposes, we are required to keep information gathered at the enquiry stage on a secure database for 12 months. Do you understand and agree to this requirement? 


Purpose of Loan - Select Main Purpose 

If your post code is not listed above, please visit NILS NSW to find your closest NILS provider.

Do you have a lease? 
Length of time at your address 
Are there any other adults living in your household? 

Please give details of other adults below. If no other adults in household, please move to address.

Do you have item already?