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No 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 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)

Unfortunately, the StepUP program is no longer available. If you are an existing StepUP client and require assistance with your loan, you can call the NAB directly on 1800 701 599 with any queries.

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.

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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 No Interest 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

The Microfinance Loans Office is closed for the Christmas break and will reopen on 10th January 2022. If you would like to enquire please complete the form below and you will be contacted after 10th January 2022. If you are needing support with Bills, Rent Arrears, Food or other supports please complete the form below and you will be contacted.

Are you enquiring about a NILS loan for domestic and family violence, fridge, car repair, car registration, bill support, rent arrears or food support?

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?