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No Interest Loans

Salvos Officer helping a young man get a No Interest Loan

No Interest Loans provide loans for essential items to people on low incomes.

As a No Interest Loans provider, The Salvos provide loans of up to $1,500 for essential items. We will then work with you to create a 12-18 month repayment plan that suits your situation. 

Please remember, Salvos No Interest Loans work through community credit. This means when you make a repayment to us, the funds are then available to someone else in the community.

Apply for a No Interest Loan

To apply for a No Interest Loan you must:

  • be on a low income (centrelink payment, Health Care card or pension card)
  • reside in your current premises for at least 3 months
  • be willing to repay your loan over 12-18 months

Find your nearest NILS provider

Important subsidy information for NSW residents

Under the NSW Home Energy Appliance Program (HEA) NSW residents who apply for NILS can save up to 40% off the cost of a new fridge and up to 50% off the cost of a new TV.

Find out more about the HEA Program

Loan purposes

No Interest Loans may be used to purchase essential household and personal items, such as:

  • refrigerator/freezer
  • bed/mattress
  • computer
  • washing machines
  • health items
  • medical and dental equipment or aids, and
  • energy efficient appliances

Loan exclusions

Loans cannot be used for:

  • Rent
  • Bond 
  • Debts
  • Cash
  • Living expenses such as holidays 

The Salvation Army Australia acknowledges the Traditional Owners of the land on which we meet and work and pay our respect to Elders past, present and future.

We value people of all cultures, languages, capacities, sexual orientations, gender identities and/or expressions. We are committed to providing programs that are fully inclusive. We are committed to the safety and wellbeing of people of all ages, particularly children.

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The Salvation Army is an international movement. Our mission is to preach the gospel of Jesus Christ and to meet human needs in his name with love and without discrimination.

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