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No Interest Loan Scheme

Loans you can actually afford

Can’t afford to replace your broken fridge? Is your car in need of repairs to get you to work? Many people have moments like these.

Money stress can make us consider solutions that might not be ideal. Renting appliances or getting a quick cash loan may seem like easy options but they’re very costly, with hidden interest rates and extra fees.

A No Interest Loan Scheme is a safer way to pay for household items or car-related expenses. Loans are up to $2000, repaid over 12–24 months.

To find out more, check out our FAQ below or use the following contact details:

Call our National Intake Line on 0437 723 863 or email

The Salvation Army is an accredited provider of the No Interest Loan Scheme (NILS) by Good Shepherd Microfinance.

Frequently Asked Questions

You can apply for a loan if you:

  • - Are a low income earner/receive Centrelink benefits
  • - Have lived at your current address for at least three months
  • - Can pay back your loan over 12–24 months

You can only use no-interest loans for:

  • - Household appliances
  • - Car-related items (for example repairs, registration fees or driving lessons)
  • - Beds/mattresses
  • - Computers
  • - Certain kinds of home repairs
  • - Health items, medical and dental equipment or aids
  • - Cost of relocation, funerals or veterinary expenses
  • - Bond and rent in advance (for new lease only)
  • - Council Rates

No-interest loans can’t be used for:

  • - Overdue rental payments
  • - Living expenses like food or holidays
  • - Gas, power or phone bills
  • - Cash advances
  • - Debt repayments or consolidation
  • - Overdue payments to loan recipients
  • - Payments for third-party private sales
  • - Used cars - See for available options to purchase a car
  • - Second-hand or used baby items and electricals

If you are 17 years or older, and you meet our eligibility criteria, you are entitled to apply.

This doesn’t count against you for a NILS loan.

Yes, we don’t do any credit checks for a NILS loan. 

We have financial and residential criteria. They are:

  • You need to hold a Centrelink Health Care or Pensioner Concession card, or
  • Your after-tax income needs to be $57,000 or under for singles, and $75,000 or under for couples or families with dependents
  • You need to be able and willing to repay the loan
  • You need to have lived at your current or previous address for three months so that we can see a payment history

We can waive residential requirements in some circumstances – for example if you are experiencing domestic violence or transitioning from homelessness or incarceration. Please call us on 0437 723 863 to talk about your situation.

If you have a current loan in arrears or you’ve had a previous NILS loan written off, you can’t apply for a new loan or a top-up loan until you’ve caught up what you owe (including write-off amounts).

The best way to enquire is to either call us on 0437 723 863 or email

You will be provided with a NILS Application Kit, which includes the document requirements and details of how to apply.

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