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No & Low Interest Loans

We support low-income earners by providing small loans and engage in practical conversations to increase our clients' financial awareness.

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About Our Loans

We support low-income earners by providing small loans with absolutely no interest, fees, charges or penalties, and engage in practical conversations to increase our clients' financial awareness. We also offer low interest loans, and loans for women who have experienced violence and need access to finance to rebuild their lives.

We also work with you to create a budget, and can put you in touch with services who offer assistance with managing finances, further empowering you to make informed financial decisions.

We've teamed up with National Australia Bank, Good Shepherd Microfinance and NSW Office of Fair Trading to provide:

  • No Interest Loans (NILS)
  • No Interest Loans for women who have experienced domestic and family violence (DV NILS)
  • StepUP low interest loans

No Interest Loans Scheme (NILS)

You can use a NILS loan to purchase essential items including phones, household items and appliances, medical and dental bills, education, textbooks and car running costs. We can also provide fridges and TVs at a subsidised rate through our partnership with the NSW Department of Planning, Industry and Environment.

We offer loans of up to $1,500 and repayments are made fortnightly for a maximum period of 18 months. Repayments can be made through a bank transfer or we can help you set up Centrepay fortnightly deductions for Centrelink customers.

You may be eligible if any of these apply to you:

  • Receiving income support from Centrelink or on a low income ($45k singles, $60k couples)*
  • Lived in current accommodation for at least 3 months*

*There are exceptions, please contact us to discuss your situation.

Make an enquiry

StepUp Loans

You can use a StepUP loan to purchase a second-hand car or to pay for car repairs, as well as other essential items such as whitegoods, furniture and computers, and education or medical expenses.

We offer loans of between $800 and $3000, and repayments are made fortnightly for a maximum period of three years. The interest rate is a low 5.99%.

If any of these apply to you, you should get in touch:

  • Receiving the Family Tax A benefit
  • Have a pension card
  • Have a health care card
  • Have a single net income less than $45,000 per annum
Make an enquiry
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Get In Touch

Contact us to discuss your individual needs in confidence or learn more about how we can help.

Most of our HopeStreet locations provide NILS and StepUP Loans, or if you live outside these areas you can still enquire about a loan by calling 1300 275 227 or by filling in the form below.

Find your nearest location

Enquire About A Loan Today

Our online enquiry form now makes it easier than ever. Please ensure all fields are completed when lodging the form and we'll get back to you.

Do you live in NSW?

Do you live on a low income - either from Centrelink or from a low wage (casual, part time, full time)?

Have you lived at your current address for at least three months?

Housing Type

Where did you hear about us?

How would you like to receive your InfoKit?