The No Interest Loan Scheme offers people on low incomes safe, fair and affordable loans for fridges, washing machines, furniture, computers as well as sports/educational, medical expenses and more. NILS can not be used for debt consolidation, ongoing bills and expenses eg: rent or cash loans.


Payment plans are flexible and customised to applicants’ financial circumstances. A budget will be completed to ensure repayments are affordable.

To be eligible you must :

  • have a health care card, pension card or

  • receive Family Payments or

  • earn less than $45,000 a year (after tax), or less than $60,000 a year (after tax) for couples or people with children and

  • have lived in your current or previous residence for at least 3 months.


Hills Community Aid staff and Volunteers have the right to be treated with dignity and respect, the right to work in safe and healthy conditions, and to not be threatened or subject to inappropriate or offensive language.

Thank you

Submit Documentation

If you are unable to upload documents via this form or have any queries please email to or contact us.

Or documents can be dropped off at the following locations:

Karabi, Constitution Hill, 10am - 2pm

1 Lurgan St

Constitution Hill 2145

Phone:  02 96317055

Karabi, Seven Hills/Toongabbie, 10am - 2pm

29 Aleta Way

Seven Hills 2147

Phone:  02 96881084

Karabi, Wentworthville, 10am - 2pm

Crn, Fyall Ave & Darcy Rd


Phone:  02 9631 6575

Catholic Care, All Saints of Africa Office  - Monday, Wednesday, Thursday 10-2:30PM, excluding Public holidays.

63 Allawah Street

Blacktown 2148

Make an appointment

Phone:  02 96398620

Monday to Friday

9.30am - 3pm

More information about NILS:

Financial Inclusion

Community Transport