Kempsey Neighbourhood Centre

No Interest Loans


No Interest Loans (NILS) provide individuals and families on low incomes with access to safe, fair and affordable credit with no fees or charges applied.

Loans are available up to $2000 – depending on income and circumstances – and no interest is paid on the loan.


Am I eligible?

You may be eligible for a NILS Loan if you:

  • Hold a Health Care Card/Pension Car or earn less that $45ooo a year after tax ($60000 for couples or people with dependants)
  • Have lived at your current or previous address for at least 3 months
  • Are able to show that you can afford the loan
  • Hold a Health Care Card/Pension Car or earn less that $57,000 a year after tax ($75,000 for couples or people with dependants) these are the new thresholds.



What can NILS be used for?

  • Household Items
  • Car repairs and registration
  • Medical and dental
  • Technology
  • Furniture
  • Education



Bills to Pay;

Loans are not available for:

  • Bills
  • Cash
  • Debts
  • Food


With Nils there’s no interest, no fees and no charges. You only pay for what you buy.


How much can I borrow?

Borrow up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support your wellbeing.

Borrow up to $3000 for housing related expenses such as bond or rent in advance, or for recovery from a natural disaster.

What can I use a NILs loan for?

Borrow up to $2000 for essential goods and services including:

Household items like appliances, whitegoods & furniture
Car repairs & registration
Medical, dental, wellbeing and life event expenses
Technology like a phone or laptop
Education expenses like fees or uniforms
Employment expenses like licenses or equipment

Borrow up to $3,000 for:

Bond & rent in advance
Costs associated with a natural disaster

Am I eligible?

Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children.

OR Have experienced family or domestic violence in the last 10 years.

OR Have a Health Care Card / Pension Card.

AND You can show you can afford to repay the loan.

Send us a message


Kempsey Neighbourhood Centre is a non-profit organisation dedicated to strengthening our local communities by promoting the principles of social justice and empowering people to enhance their quality of life.