No Interest Loans Scheme (NILS)

No Interest Loans Scheme (NILS)

The No Interest Loan Scheme (NILS) offers people on low incomes safe, fair and affordable loans for fridges, washing machines, furniture, and computers as well as sports/educational, medical expenses and more. NILS can not be used for debt consolidation, ongoing bills, and expenses eg: rent, or cash loans. Payment plans are flexible and customised to applicants’ financial circumstances. A budget will be completed to ensure repayments are affordable. 

How Much Can I Borrow?

Depending on your affordability, you may be able to borrow up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment, or help you cover the cost of goods and services to support your wellbeing, or up to $3000 for housing-related expenses such as bond or rent in advance


To be eligible you must :

  • Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or dependants, or
  • Have experienced family or domestic violence in the last 10 years, or
  • Have a Health Care Card/ Pension Card, and 
  • You can show you have the capacity to repay the loan. 

Submit Documentation 

If you are unable to upload documents via this form or have any queries please text 0451 573 872 or email to 

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: 

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

Contact Us