No Interest Loans Scheme (NILS)

Are you living on a low income?

Do you need finance for essential items but you don’t want to pay high interest rates or fees?

The No Interest Loans Scheme (NILS) offers people on low incomes the opportunity to receive loans for essential items without any fees, charges, or interest payments. 

Repayments of the loans are deducted from Centrelink payments and there is a minimum repayment of $30 per fortnight.


What you need to do to get a NILS loan…

If you have a health care card, pension card or are a low income earner you may be eligible for a NILS loan….  

Cathy Billam is our NILS Coordinator at KNC.  You can contact us to make an appointment with her to process your application. You will need a current Centrelink income statement, current 3  month bank statement / or 90 day  transaction history, photo ID, proof of address and a quote for the item you require. (We can help you with this if necessary)


What can you get a loan for?


  • Fridges
  • Freezers
  • Washing machines
  • Beds
  • Lounge suites
  • Dining settings (table and chairs)
  • Ovens
  • Child Safety Car seats
  • Lawnmowers/ whipper snippers
  • Hot water services
  • Generators
  • Laptops/ computers  
  • Vehicle registrations
  • car tyres
  • car repairs
  • skip bin


The maximum amount that may be borrowed is $2000.

You can only purchase one item at a time, unless the items are from the same place (delivery may be included in this)

Loans are NOT for emergency relief, Bond or rent money, living expenses or bill payments (eg Ergon, Telstra etc.).