What is NILS?

Knox NILS Brochure

The No Interest Loan Scheme offers people on low incomes the opportunity to access credit for an essential household item without any fees, charges or interest payments.

Loans are for one item at a time and are for a maximum of $1,000.

As loans are repaid, the money is lent out to other members of the community to utilise this service.

Who is Eligible?

You may be eligible to make an application for a No Interest Loan if the below applies:

  • Centrelink Payment/Health Care Card or are on a low income
  • You lived in your current accommodation for least 6 months
  • You are a resident of the City of Knox
  • You can establish your willingness and capacity to repay a loan

How do I repay the Loan?

We recommend utilising the centrepay system. The loan repayments will be timed to accommodate your wages or benefits payments.

How much do I pay back to one time?

The amount you repay is set according to the size of the loan and your capacity to make repayments. Loan repayments are usually spread over 12 to 18 months.

What can the loan be used for?

Some ideas include:

  • Fridges
  • Washing Machines
  • Health aids
  • Household furniture
  • Computers/Laptops

How do you apply for a NILS?

You can apply on your own behalf for a loan. Please call for an information pack.

Please call Knox Infolink first on 9761 1325 to enquire about this scheme to see if you are eligible to apply.

After phoning, if eligible, please access forms below for you to complete before interview:

Once all paperwork has been collected (see Interview Checklist) please contact Knox Infolink to make an appointment

Also access the Good Shepherd Buying Service

Ring and Save - Greater buying power and lower prices for concession card holders and community organisations

The Good Shepherd Buying Service is a statewide telephone service assisting concession card holders and various community groups to obtain lower prices, with no obligation to buy, on household goods and health appliances such as fridges, TV's, Washing Machines, Asthma pumps, Furniture, Beds and other appliances.

See pamphlet for your information.

Good Buying Service


For Centrepay information please see below website link