FAQs

What is a NILs loan?
A safe, fair, interest-free loan for essential goods and services.
Who can apply?
People on low incomes or experiencing financial hardship. Use the eligibility checker to start.
How much can I borrow?
Limits vary by item (e.g., mobile phone up to $1,000). See the affordability step for checks.
What are repayments like?
Repayments are usually fortnightly and interest-free.