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No Interest Loans - NILs
We support low-income earners by providing small loans and engage in practical conversations to increase our clients' financial awareness.
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No Interest Loans - NILs
We support low-income earners by providing small loans and engage in practical conversations to increase our clients' financial awareness.
Please note we have closed our enquiries for 2024 and will reopen from Monday, 6th January 2025. Any new enquiries received will be contacted early 2025. If your enquiry is urgent over this timeframe we encourage you to contact another provider from the link below.
No interest and no charges, EVER
So many families in Australia today are burdened by the cost of living
As an organisation that works closely with individuals and families suffering from financial hardship, BaptistCare HopeStreet is all too aware of what happens when someone doesn’t have access to fair and affordable financial support.
No Interest Loans Scheme (NILS)
BaptistCare has partnered with Good Shepherd to offer interest-free loans of up to $2,000 for essential items and services for low income families and individuals across NSW providing clients an opportunity to pay nothing more than they originally borrowed.
Unexpected expenses are bound to pop up from time to time, such as unexpected car repairs or washing machine breaks down - creating stress and anxiety. NILS will pay the cost of these essential goods and services to the supplier / vendor directly, offering affordable repayment options for our clients.
About the Loans
How much can I borrow?
No Interest Loans (NILs) enable people and families access to fair, safe and affordable credit to purchase essential goods and services up to the maximum value of $2,000.
How does NILs work?
The No Interest Loan Scheme works through a ‘circular community credit’ process – which means when a borrower makes a repayment to NILS, the funds are then available for someone else in the community.
You can begin the process here, where you will be allocated a Case worker who will work alongside you to prepare your application, including a financial budget to make sure the loan is affordable in your situation. After your application is submitted our team will assess your application within 24-48 business hours, notify you the outcome, purchase the item for you on your behalf directly from the supplier and set up your repayments.
DOWNLOAD OUR INFORMATION PACK HERE
Am I eligible?
You may be eligible if any of these apply to you:
- Have a Health Care Card / Pension Card
- OR Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children
- OR Have experienced family or domestic violence in the last 10 years
- AND willingness and capacity to repay your loan
What can I use a loan for?
Household items
Household Appliances
- Fridge
- Washing machine
- Dryer
- Freezer
- Dishwasher
- Microwave
- Stove / Oven
- Television
- Vacuum cleaner
Household Furniture
- Lounges
- Beds
- Dining table
- Baby items
Car Repairs & Registration
- Car repairs
- Tyres
- Dryer
- Windscreen
- Vehicle Registration
Medical & Dental
- Dental
- Professional health services
- Vision related
Technology
- Computer
- Mobile phone
- Tablet
Education
- Course fees
- Course materials
- School uniform
- School camp
- School band
- Musical instruments
Other
- Household Repairs
- Relocation Costs
- Vet expenses
Household items
Household Appliances
- Fridge
- Washing machine
- Dryer
- Freezer
- Dishwasher
- Microwave
- Stove / Oven
- Television
- Vacuum cleaner
Household Furniture
- Lounges
- Beds
- Dining table
- Baby items
Car Repairs & Registration
- Car repairs
- Tyres
- Dryer
- Windscreen
- Vehicle Registration
Medical & Dental
- Dental
- Professional health services
- Vision related
Technology
- Computer
- Mobile phone
- Tablet
Education
- Course fees
- Course materials
- School uniform
- School camp
- School band
- Musical instruments
Other
- Household Repairs
- Relocation Costs
- Vet expenses
Get In Touch
Contact us to discuss your individual needs in confidence or learn more about how we can help.
Enquire about a loan by calling 1300 275 227 or by filling in the form below.
BaptistCare is aware of frauds/scams on social media that use our name and brand to offer financial products and loans. BaptistCare will never ask for banking or financial information, passwords or logins via social media.
Please note: BaptistCare is presently unable to process any loans for client’s located in the Sydney metro area. For alternatives providers, please consult Good Shepherd via https://goodshep.org.au/ or Phone 13 64 57.
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