No Interest Loans Scheme (NILS) - St Vincent de Paul Society QLD
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    No Interest Loans Scheme (NILS)

    NILS lends up to $2000* to low income earners with repayments from $35 per fortnight.

    What is NILS?
    The No Interest Loan Scheme (NILS) is a community credit program as one loan is repaid another loan can be given out. The NILS scheme will  lend up to $2000 to low income earners with repayments from $35 per fortnight.

    This is for the purchase of essential goods and services, such as whitegoods (refrigerators, washing machines), medical/dental services, car registration (six months) and other household items.

    *Please note, NILS cannot be used for cash, rental arrears, bond, car repairs, holidays, bills or debt consolidation. The loan funds are paid directly to the store or service provider.

    Who can access these loans?
    To be eligible to apply you must:

    • have been at your current address for a minimum of three months
    • be classified as low income earner or receive a Centrelink payment
    • be over the age 17.

    Where is NILS available?
    NILS currently operates across Queensland.

    What are the benefits?
    NILS is designed to help those who would have difficulty in obtaining finance for these critical items from traditional means.

    Can I volunteer for NILS?
    Yes, Volunteers must be over 18 and will undergo a suitability screening upon application, for more information please contact 1800 846 643 and select menu option 4.

    How can I find out more?
    For more information about the NILS program, contact 1800 846 643 and select menu option 4 or email

    What is the application process?

    For more information on the process, please refer to the image below (click to enlarge)

    Please select a location from the list below
    Appointment Only