community information knox



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NILS (No Interest Loan Scheme)

Loans of up to $1500 are available to low income earners to access credit for an essential item without fees, charges or interest payments.   

Loans are generally used for the following but other essentials may be acceptable. Please ask our staff.


  • Fridges
  • Washing Machines
  • Stoves
  • Dryers
  • Freezers and heaters
  • Health Aids
  • Dental
  • Optical
  • Household Furniture
  • Educational essentials such as laptops,tablets and text books
  • Car Registration/car repairs/tyres
  • Course fees
  • No credit checks are made, as this program is based on trust and respect

Loans are not for debts or rent arrears

Please call us to be sent a pack with information about preparing for your appointment.


NILS Pamphlet