No Interest Loans Scheme (NILS)

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No Interest Loans Scheme (NILS)

We are an approved No Interest Loan (NILs) Provider. Contact us: Insert Phone / email best contact method
Washing machine broke down? Unexpected car repairs? Need a new laptop for work or school?  We’ll pay the invoice for you (NO CASH). 
Unexpected expenses are bound to pop up from time to time. Don’t choose an option that might get you into trouble later. With NILs, you only pay back what you borrow, nothing more. 
 
How much can I borrow? 
Borrow up to $2000 for essentials such as appliances or furniture, car repairs, a new computer or laptop, medical, dental or vet expenses. 
 
What can I use a NILs loan for? 
Borrow up to $2000 for essential goods and services including: 

 Household items like appliances, whitegoods & furniture 
 Car repairs
 Medical, dental, wellbeing and life event expenses 
 Technology like a computer or laptop (up to $2000 limit)
 Technology like a phone, tablet and other small electronic devices (up to $1000 limit) 
 Education expenses like fees or uniforms 
 Employment expenses like licenses or equipment=
 Bond on a new rental property
 Costs associated with a natural disaster 

NILs cannot be used for cash, bills, rent or debts    

Am I eligible?  
 have a Health Care or Pension Card 
OR 
 earn less than $70,000 (before tax) as a single  
OR 
 earn less than $100,000 (before tax) if you have a partner or dependents 
OR  
 have experienced family or domestic violence in last 10 years 
AND 
 you have lived at your current address for a minimum of three months  
AND  

 you can provide documentation of proof of income and expenses, and identification
AND
 you can afford to repay the loan (Centrepay and direct debit available). 
Be careful of online scams. We won’t ask for your login details or passwords for any site, including MyGov. If you think you’ve been scammed, visit Scamwatch at scamwatch.com.au for help.

Submit Documentation 

If you are unable to upload documents via this form or have any queries please text 0451 573 872 or email to nils@hca.org.au 

Or documents can be dropped off at the following locations: 

Hills Community Aid, 9:30am – 3:00pm 390 Windsor Rd Baulkham Hills 2153 Phone: 02 9639 8620

Karabi, Constitution Hill, 10am – 2pm 1 Lurgan St Constitution Hill 2145 Phone:  02 96317055  

Karabi, Seven Hills/Toongabbie, 10am – 2pm 29 Aleta Way Seven Hills 2147 Phone:  02 96881084  

Karabi, Wentworthville, 10am – 2pm Crn, Fyall Ave & Darcy Rd Wentworthville Phone:  02 9631 6575  

Catholic Care, All Saints of Africa Office  – Monday, Wednesday, Thursday 10-2:30PM, excluding Public holidays. 63 Allawah Street Blacktown 2148  

Applications are processed over the phone for your convenience, however in office visits can be booked by calling 02 9639 8620 More information about NILS: 


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Hills Community Aid staff and Volunteers have the right to be treated with dignity and respect, the right to work in safe and healthy conditions, and to not be threatened or subject to inappropriate or offensive language. Thank you

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