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CatholicCare Victoria

No Interest Loan Scheme (NILS)

Financial support for essential items and services

The No Interest Loan Scheme (NILS) provides small no-interest loans up to $2,000 for people in need.

If you are on a low income and require financial assistance to purchase essential items or services, NILS can help.

Access Support Now 

Young mum watching baby hold onto washing machine for support to stand.

12-month repayment period with no interest

If you are struggling to afford essential items for home, work, study or medical expenses, its okay to ask for help.

NILS can support you to purchase significant or essential items/services such as:

  • new household items
  • essential services
  • medical equipment
  • tools or educational items

Before accessing the NILS program, a Support Worker will assess your needs and financial situation to ensure you meet eligibility.

No Interest Loans are repaid over a 12-month period as agreed in your affordable repayment plan, which we will discuss with you.

How do I access this service?

People on a low income can access this service by contacting one of our offices listed below.

Community service organisations can also make referrals to the No Interest Loan Scheme by contacting us.


There is no charge to access this service.

This service is funded by Good Shepherd Microfinance.

More information

Client Rights and Responsibilities Child Safety at CatholicCare 

Contact us

The No Interest Loan Scheme is offered at the following locations.
To make a booking or enquire about this service, please select your nearest office.

Ballarat FRCMildura


Other services

You might also be interested in some of the following services offered at CatholicCare Victoria: