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NILS LOANS

NILS LOANS

WHAT IS NILS?

The No Interest Loan Scheme (NILS) provides individuals and families on low incomes with access to safe, fair and affordable credit.

Loan are between $300 and $2,000 for essential goods and services such as education items, fridges, washing machines and medical procedures. Repayments are set up at an affordable amount over 12 to 18 months.

Loans cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills.

NILS is offered by 178 local community organisations in over 600 locations across Australia. 

To qualify you must:
  • I hold a Health Care Card / Pension Card
    OR
  • earn less than $70,000 a year (gross) for a single household OR earn less than $100,000 a year (gross) for couples or people with dependants
  • I can show that I can afford to repay the loan 

How do you apply?

In person at:


  • Brophy Family and Youth Services Inc
    Hamilton, 3300
    98 Thompson Street
    Hamilton, VIC, 3300, Australia
    • Southern Grampians NILS (Now operating as South West Victoria NILS)
      Loan Limit - $2,000
    • Call 13 64 57 (NILS)
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  • Home
  • Contact
  • Our School
    • 2023 Subjects >
      • SENIOR YEARS >
        • VCE English
        • VCE Maths
        • VCE Health & PE
        • VCE Science
        • VCE Humanities
        • VCE Technology
        • VCE Arts
        • Virtual Learning
        • VCE VM & VPC
      • The Middle Years Program >
        • 9/10 English
        • 9/10 Maths
        • 9/10 Health & PE
        • 9/10 Science
        • 9/10 Humanities
        • 9/10 Technology
        • 9/10 The Arts
        • 9/10 Chinese Language
        • 910 Careers and Pathways
      • CERTIFICATE COURSES (VETDSS) >
        • VETDSS
    • About >
      • The Curriculum
      • The Principal
      • Leadership Team
      • Year Level Co-ordinators
      • School Leaders
      • Student Representative Council (SRC)
    • Alumni / Reunions >
      • Reunions
    • School Policy
    • Child Safe School
    • COMPASS
    • Employment
    • Official Opening
    • Sports Houses
    • School Council
    • Careers
    • Student Wellbeing
    • School Reports
  • Enrolment
    • Welcome
    • Apply to Enrol
    • BYOD Program
    • Choosing a school
    • Countdown to Secondary School
    • Information Books
    • 2023 BOOKLISTS >
      • YEAR 7
      • YEAR 8
      • YEAR 9 & 10
      • VCE / VCE VM / VPC
      • 2nd Hand Book Sales
    • Bus Network >
      • Conveyance Allowance
    • CSEF FUNDING
    • Parent Payments >
      • Starting Out Costs
      • NILS Assistance
      • Parent Payment
    • Scholarships
    • School Books
    • Transition/Orientation
    • Uniform >
      • State Schools Relief Uniform Pack
  • Newsletter
    • Newsletter
    • Archived >
      • 2018 Issues
      • 2017 Issues
      • 2016 Issues
      • 2015 Issues
      • 2014 Issues
      • 2013 Issues
      • 2012 Issues
  • 2024 Information