No Interest Loans Scheme

Newcastle No Interest Loans Scheme (NILS) is an initiative of the Sisters of St Joseph Lochinvar and St Vincent de Paul Society which provides eligible low income individuals and families, the opportunity to purchase essentials – white goods, furniture, appliances – while avoiding the long-term added cost burden. 


The loans can be up to $1000 and are designed to enable people on government benefits, pensions or health card holders to buy necessities such as refrigerators and washing machines. Depending on the borrower's ability to pay, the term can be between 12 and 18 months.

Those interested should contact the NILS Coordinator to discuss the conditions that apply and the possibility of then having a confidential interview. Repayments are negotiated at the time of the loan.


A Centrelink card is the base eligibility requirement for applicants for a NILS loan.



Contact NILS

Brooke Davies

NILS Co-ordinator

Open Monday and Tuesday

(02) 4032 3583 or 0409 307 223