About the No Interest Loan Scheme 

Care offers a No Interest Loan Scheme (NILS) for people on low incomes to purchase essential goods and services.  See details below for more information: 

What can NILS be used for?

Loans are available to purchase essential goods and services including:  ​

  • household furniture

  • white goods 

  • electrical/electronic items

  • vehicle related costs 

  • education costs 

  • medical/dental expenses

What NILS does NOT include?

 Loans are not available for items including:

  • food

  • rent

  • bills (i.e. utility, phone)

  • cash advances 

  • debts (i.e. credit card, personal loans, car loans)

What is the eligibility criteria?

To be eligible for a NILS you need to be able to demonstrate the following:

  • lived in the ACT for 6 months or more

  • have a permanent address (either public or private rent or home owner)

  • show capacity to repay the loan over 12-18 months 

  • hold a current Centrelink card OR can show a current pay slip if you are worker on a low to moderate income

How much can I borrow?

Eligible applicants can borrow between $200 - $1500 however this is dependent on your income as well as your capacity to repayment the loan. 


If the item you want to purchase is more than $1500 you can also contribute the remaining amount (i.e. if the purchase price is $1700 you will need to contribute $200 from your own savings).  

* Please note, loans are paid directly to the supplier and not to the applicant. 

How to repay your loan back?

Loans are paid back by fortnightly installments either through Centrepay or through a direct debit.  Once your loan has been approved Care's No Interest Loan Program Officer will set up repayment arrangements and you will be notified when your loan is almost at completion which will provide you with an opportunity to apply for another loan.  

How to apply for a loan?

Call Care's admin line on 02 6257 1788 to speak to a NILP officer or click on the button to download an application form.  


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