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No interest loan scheme (NILS)

The No Interest Loans Scheme (NILS) is designed to help low-income earners (especially those on a Centrelink income) buy essential household goods such as –

NILS cannot be used for cash, loan repayments, housing costs or car repairs.

The loan is for one item at a time, for a value of up to $1,000 and can be re-paid at an affordable rate. Borrowers can apply for further loans once the initial loan is re-paid.


NILS applicants MUST have lived at their current address for at least six months, and provide evidence that they have the ability to re-pay the loan.

Further information and contact details

Please drop in to CISS or phone on 5996 3333 to see if we can assist.

156 Sladen Street, Cranbourne(03) 5996 3333