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. 

To be eligible you must : 

  • Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax0 if you have a partner or dependants, or
  • Have experienced family or domestic violence in the last 10 years, or
  • Have a Health Care Car / 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 email to or contact us.  

Or documents can be dropped off at the following locations:  

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  

Make an appointment Phone:  02 96398620 Monday to Friday 9.30am – 3pm 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

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