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.


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

Eligibility Requirements:


  • Have a Health Care/Pension Card or earn less than $45,000 (after tax)

  • Show a willingness and capacity to repay


Documentation Required:


  • Completed NILS Application Form (download here)

  • Recent Centrelink Income Statement/pay slips (yourself and your partner)

  • Recent bank statement or transactions for the past 90 days (yourself and partner)

  • Rental ledger/statement/mortgage statement showing recent rent/repayments

  • Council rates, strata bills if home-owner

  • Quotes for goods or services

  • Details/statements of any credit commitments such as loans, credit cards, fines, rent to buy etc

  • Copies of most recent energy, water, phone bills

  • Proof of identity (must include one photo ID, ie Driver’s License, Passport etc)

  • Alternate contact person details (name, email and phone)

  • Details of household expenditure eg groceries, rates, car running costs etc​

Submit Documentation
Please email your application form and all the required documentation to


your application form and 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:

Subsidised white goods are also available for purchase through NILS for eligible clients with a Centrelink Reference Number. Please visit the link below for more information:

Financial Inclusion

Community Transport


Hills Community Aid

390 Windsor Road

Baulkham Hills

NSW 2153

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