We offer safe, completely interest-free and charge-free loans of up to $5000 to individuals and families across NSW.
NILs offers small, interest-free loans of up to $5000 for low income families and individuals across NSW.
You can borrow up to $5000. Loans are generally repaid over a 12-month period (longer periods can be accessed if needed), and you’ll only have to repay what you’ve borrowed – no extras.
It is worth considering a NILs loan first before seeking other expensive options for credit like a payday loan or rent to buy.
Have a Health Care Card or Pension Card, OR earn less than $70,000 per year before tax ($100,000 for couples or people with dependents)
Have lived at your current address for more than three months or previous address for more than six months.
be able and willing to repay the loan
Contact our Vinnies No Interest Loan team through the form below
Please note that loans cannot be used for the following: Food, utility bills, cash advances, fines or penalties, debt repayment/consolidation, vehicle purchase, second-hand electrical goods or baby furniture, lay-by, airfares, clothing (except uniforms) or the bundling of many small goods (e.g. kettles, toasters, blenders and sandwich press etc.).
Testimonials from NILs recipients
We are a lay Catholic organisation working towards a more just and compassionate society.
We acknowledge the Aboriginal and Torres Strait Islander peoples, the Traditional Custodians of this land, with deep respect. May the Elders, past and present, be blessed and honoured. May we join together and build a future based on compassion, justice, hope, faith and reconciliation.
St Vincent de Paul Society NSW ABN: 91 161 127 340
