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Financial fitness tips

No Interest and Low Fee Loans

No Interest Loan Scheme 

The No Interest Loan Scheme® (NILS) provides interest-free loans for individuals or families on low incomes to access credit for the purchase of essential goods and services. As loans are repaid, the money is lent out to other members of the community to utilise this service. For more information, go to the NILS website.

NILS Hotline

Phone: 1800 509 994

Phone lines open Monday to Friday, 9.30am to 4.30pm

NILS locations

Caroline Chisholm NILS, St Vincent De Paul

Christian Community Aid

  • Address: 12 Lakeside Road, Eastwood
  • Phone: (02) 9858 3222

Northwest NILS, The Hills Community Aid & Information Service

  • Address: 390 Windsor Rd, Baulkham Hills
  • Phone: (02) 9639 8620 
  • Email:

Telopea NILS, Hope Connect

  • Address: 16 Shortland St, Telopea
  • Phone: (02) 9638 7955

Blacktown NILS, Hills Community Aid & Information Services

  • Address: Corner Kelso & Newtown Roads, Blacktown
  • Phone: (02) 9686 2738

Low Fee Loans

Speckle is a product of Good Shepherd Microfinance - a not-for-profit organisation whose aim is to promote economic wellbeing for people with low incomes and move them from financial crisis to resilience and inclusion. Low fee, small cash loans are paid off over 3-12 months.

You can contact Speckle by calling 13 43 23.

For more information, go to the Speckle Loans website.