north east nils – online enquiry form

No Interest Loan Enquiry

No Interest Loans (NILs) are a smart choice loan option to help you manage your money.

Borrow up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support your wellbeing with no fees, no interest, ever. 

Borrow up to $3000 for housing related expenses such as bond or rent in advance, or for recovery from a natural disaster with no fees, no interest, ever.

You pay back only what you borrow and nothing more.   

How does NILs work?   

There are times in life, despite how hard you try to keep on top of things, when unexpected expenses pop up.  Washing machine has broken down?  Unexpected car repairs?  NILs will pay the cost of these essential goods and services straight to the vendor.  Loans can not be used for cash, bills or debts.

NILs works through a process called ‘circular community credit’. This means when a borrower makes a repayment to NILs, the funds are then available to someone else in the community. It is worth considering a NILs loan first before seeking other expensive options for credit.

How to apply for a loan

If you meet the criteria listed above, you can submit your loan enquiry on the form below. 

There are several documents you will need to supply and you can upload a digital version in the upload section at the end of the form. 

You are welcome to make an appointment with us and do your application in person.

Some people find this much easier.