The No Interest Loan Scheme (NILS) provides safe, fair and affordable loans to people on low incomes with no interest, fees or charges.
Can’t afford to replace your broken fridge? Is your car in need of repairs to get you to work? Many people have moments like these.
Money stress can make us consider solutions that might not be ideal. Renting appliances or getting a quick cash loan may seem like easy options but they’re very costly, with hidden interest rates and extra fees.
A No Interest Loan Scheme is a safer way to pay for household items or car-related expenses. Loans are up to $2000, repaid over 12–24 months.
DO I QUALIFY FOR NILS?
We have financial and residential criteria. They are:
HOW DO I APPLY?
After a brief conversation to see if NILS is suitable for you, you will be provided with a NILS Application Kit, which includes the document requirements and details of how to apply
To enquire about starting a loan application you can contact us on (02) 6241 0518, email nils@salvationarmy.org.au or the Affordable SA Helpline on 1800 025 539.
Last updated 26 April, 2023