No Interest Loan Scheme (NILS) – Queensland

The No Interest Loan Scheme or NILS as it’s known as is a small microloan with amounts ranging from $300 to $1200. As the name implies, there is no interest rate attached to the loan.

The loans are specifically designed for low income earners and is provided by Good Shepard Microfinance in partnership with the NAB.
 
 
 
Loan Details:
Loan size: $300 – $1200
Interest rate: none
Period: set terms between 12 and 18 months
Costs: No fees or charges

 
Loan Uses:
Loans are for everyday household needs, examples include:

– White goods such as a washer/dryer, oven, fridge, etc
– Essential Furniture
– Computer/Laptop
– Vocational education
– Medical and dental expenses
– Second-hand cars or vehicle repair

Loans are not for:

– Utility bills or rent
– Cash
– Travel (holiday)
– Entertainment

* if you are in need of a loan to pay for bills, there are other free bill assistance programs available.

Eligibility Criteria

– Centrelink recipients accepted (must have a Pension or Healthcare Card).
– Earn less than $45,000 a year after tax
– Must reside in your current home for at least 3 months.
– No credit check required

 
How and Where to Apply in Queensland
There are over 50 locations throughout Queensland that provide NILS – Below are the different locations by city in alphabetic order.  Simply contact your nearest NILS office by enquiring online or calling.

Office Locations and Contact Details – in Alphabetical Order

Aitkenvale
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
210 Ross River Road 
Aitkenvale QLD 4814
Ph: 07 4773 5808

Atherton
Tableland Women’s Centre Incorporated (Domestic Violence)
Jack Street Business Centre 
Office 11, Railway Lane
Atherton QLD 4883
Ph: 0428 915 102. Tue – Thurs 8.30-4.30pm

Bardon
Communify Queensland Ltd 
180 Jubilee Terrace 
Bardon QLD 4065
Ph: 07 3510 2713. Mon-Fri 9-5pm

Beenleigh
Community Care Beenleigh District Inc 
Office 3, 53 York St 
Beenleigh QLD 4207
Monday to Friday 9am – 4pm

Biloela
Banana Shire Support Centre 
1A/58 Kariboe Street 
New World Arcade
Biloela QLD 4715
Ph: 07 4992 3322. Mon 8-12pm & Tue-Fri 8-5pm

Birkdale
St Peter’s Community Service Fund NILS
St George’s Anglican Church 
33 Thorne Road 
Birkdale QLD 4159
Ph: 0401 315 707

Bongaree QLD
St Vincent de Paul – Bribie (Statewide)
Ph: 07 3408 3747 M-F 10am – 3pm Phone contact only
Serviced regions: Statewide QLD

Booval
Booval Community Service NILS
Ipswich Housing & Support Services Inc. 
14 South Station Road 
Booval QLD 4304
Ph: 07 3816 3170. Fri 9-3.30pm

Bowen
Bowen Neighbourhood Centre 
20 William Street 
Bowen QLD 4805
Ph: 07 4786 2111. Mon, Wed-Fri 9am-3pm

Bowen Hills
Foresters Community Finance Ltd (Internal Clients Only)
35 Brookes Street 
Bowen Hills QLD 4006
Ph: 07 3851 8080 . Mon-Fri, 8:30-4pm

Bundaberg
Kenalwyn Bundaberg and District Neighbourhood Centre Inc 
111 Targo Street 
Bundaberg QLD 4670
Ph: 07 4153 1614. Mon-Fri 9-4pm

Caboolture
Coast2Bay Housing Group 
37/22 King Street 
Caboolture QLD 4510
Ph: 1300 796 716. Wed 10-2pm

Caboolture
St Vincent de Paul – Caboolture (Statewide)
43 Morayfield Road 
Caboolture QLD 4510
Ph: 07 5495 7017. Mon, Wed-Fri, 10-12pm

Cannonvale
Whitsunday Community Services Inc 
Lot 2, Hazelwood Court 
Cannonvale QLD 4802
Ph: 07 4946 7850. Mon-Fri 9-3pm

Cannonvale
Whitsunday Crisis & Counselling Services Inc (Community & Domestic Violence)
Suite 9, 230 Shute Harbour Road 
Cannonvale QLD 4802
Ph: 07 4946 2999. Mon-Fri, 9-5pm – NILS by appointment

Capalaba
Redland Community Centre Inc 
29 Loraine Street 
Capalaba QLD 4157
Ph: 07 3245 2117 Mon 9-3pm

Carrara
Seeds of Hope Community Services Ltd 
148 Eastlake Street 
Carrara QLD 4211
Ph: 07 5559 1302. Mon-Tue & Thu 10-2:30pm

Charleville
St Vincent de Paul Society Queensland NILS
St Vincent de Paul – Charleville (Statewide)
Charleville Neighbourhood Centre 
Cnr Eyre & Alfred Street
Charleville QLD 4470
Ph: 07 4654 1307. Mon-Fri, 8.30-4.30pm

Charters Towers
Charters Towers Neighbourhood Centre Inc 
3 Powell Lane 
Charters Towers QLD 4820
Ph: 07 4787 4797 Mon-Wed & Fri 9-4pm, Thu 9-1pm

Chermside
Wesley Mission Brisbane (Chermside) 
Wheller Gardens 
930 Gympie Road
Chermside QLD 4032
Ph: 07 3621 4384 E: [email protected]

Collinsville
Collinsville Community Association Inc 
81 Garrick Street 
Collinsville QLD 4804
Ph: 07 4785 5965 Mon-Fri 8.30-4.30pm

Dalby
Dalby Myall Youth & Community Network Centre 
Cnr Warrego Highway & Nicholson Street 
Dalby QLD 4405
Ph: 07 4627 2027. Mon-Fri 9-4pm by appointment only

East Mackay
Shakespeare Child and Family Centre 
43 Shakespeare Street 
East Mackay QLD 4740
PH: 07 4957 7222, Mon-Fri 8:30am – 3:00pm

Fortitude Valley
Wesley Mission Brisbane (Fortitude Valley) 
316 St Pauls Terrace 
Fortitude Valley QLD 4006
Ph: 07 3621 4384 E: [email protected]

Goondiwindi
Care Goondiwindi Association Inc 
56 Marshall Street 
Goondiwindi QLD 4390
Ph: 07 4670 0700. Mon-Fri 8.30-4.30pm

Gympie
St Vincent de Paul – Gympie (Statewide)
Gympie QLD
Ph: 07 5482 2737 M-F 10am – 3pm Phone contact only

Inala
St Vincent de Paul – Inala (Statewide)
1/67 Skylark Street 
Inala QLD 4077
Ph: 07 3372 6973. Mon, Wed & Fri, 9.30-12pm & 1-2.30pm

Ipswich
St Vincent de Paul – Ipswich (Statewide)
219 Brisbane Street 
Ipswich QLD 4305
Ph: 07 3812 2055. Mon, Wed, Fri, 9-12pm

Kuranda
Kuranda Neighbourhood Centre 
6 Rob Veivers Drive 
Kuranda QLD 4881
Ph: 07 4093 8933. Mon – Thurs 9am – 5pm, Fri 9am – 1pm

Landsborough
Landsborough Area Community Association, Inc 
478 Old Landsborogh Road 
Landsborough QLD 4550
Monday to Friday 9:30am – 1pm Ph: 07 5494 1255

Landsborough
St Vincent de Paul – Landsborough (Statewide)
Landsborough QLD
Ph: 07 5494 8935 M-F 10am – 3pm Phone contact only

Logan Central
MultiLink Community Services Inc (Migrants & Refugees)
38 Blackwood Road 
Logan Central QLD 4114
Ph: 07 3808 4463 Mon-Fri 8.30-5pm MIGRANTS & REFUGEES only

Mackay
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
Suite 4, 19 Palmer Street 
Mackay QLD 4740
Ph: 07 4944 0544

Mackay
CASA NILS
Community Accommodation & Support Agency Inc (Community & Housing)
Cnr Gregory and Alfred Streets 
Mackay QLD 4740
Ph: 07 4951 4299. Mon-Fri 9-12.30pm & 1-3pm

Manunda
St Vincent de Paul – Manunda (Statewide)
82 Anderson Street 
Manunda QLD 4870
Ph: 07 4032 3201. Mon, Wed & Fri 9-12pm

Mapoon
Weipa Community Care Association Inc 
Mapoon Aboriginal Shire Council-Land and Sea Office 
Weipa Road
Mapoon QLD 4874
Ph: 07 4069 9272. Telephone Enquiries: Mon-Thu 9-4pm; Fri 9-1pm Onsite loans Worker appointments: Wed 10-12pm

Mareeba
Mareeba Information & Support Centre Inc 
122 Walsh Street 
Mareeba QLD 4880
Ph: 07 4092 1948 Information & Enquiries: 9-4 Mon-Fri Appointments: 11 – 4 Tues, Wed & Thurs

Maroochydore
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
1/10 Wrigley Street 
MAROOCHYDORE QLD 4558
Ph: 07 5451 1882. Mon-Fri, 9-5pm.

Maroochydore
Salvation Army Eastern Territory
Corner Broadmeadows and Maroochydore Roads 
Maroochydore QLD 4558
Ph: 07 5443 8248 option 3. Tues 8:30 – 4:30pm

Maroochydore
St Vincent de Paul – Maroochydore (Statewide)
Maroochydore QLD
Ph: 07 5443 1900 M-F 10am -3pm Phone contact only

Maryborough
St Vincent de Paul – Maryborough (Statewide)
Maryborough QLD
Ph: 07 4123 1414 M-F 10am – 3pm Phone contact only

Meadowbrook
Canefields Clubhouse Beenleigh Inc (Mental Health)
Unit 2, 11-13 Logansdown Drive 
Meadowbrook QLD 4207
Ph: 07 3807 0951. Mon-Fri 8-4.30pm by appointment only

Miles
Murilla Community Centre Inc 
73a Murilla Street 
Miles QLD 4415
Ph: 07 4627 2027. Mon-Fri 9-4pm by appointment

Mitchelton
North West Youth Accommodation 
5/12 Blackwood Street 
Mitchelton QLD 4053
Ph: 07 3855 5233. Fri 10-12pm

Mitchelton
Inner Northern Community Housing (Brisbane) Association Inc 
Unit 1/525 Samford Road 
Mitchelton QLD 4053
PH: 0450 320 900 Tuesday 11.30am-4.30pm

Mitchelton
Communify NILS
Picabeen Community Centre 
22 Hoban Street 
Mitchelton QLD 4053
Ph: 07 3354 2555 Mon-Fri, 9-4.30pm

Mount Gravatt East
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
1/1414 Logan Road 
Mount Gravatt East QLD 4122
Ph: 07 3723 5001. Mon-Fri, 9-5pm.

Murarrie
Gateway Community Group Inc 
1098 Wynnum Road 
Murarrie QLD 4172
Ph: 07 3890 8122 Mon-Fri 9-4.30pm

Murgon
Graham House Community Centre Inc 
21 Taylor Street East 
Murgon QLD 4605
Ph: 07 4169 8400. Open Mon 10am-4pm, Tues & Wed 9.30am-4pm, Thurs 9.30am-3pm & Fri 9.30am-12.30pm

Napranum
Western Cape NILS
Weipa Community Care Association Inc 
Napranum Womens Hub 
Napranum Road
Napranum QLD 4874
Ph: 07 4069 9272. Telephone Enquiries: Mon-Thu 9-4pm; Fri 9-1pm Onsite loans worker appointments: Tue 1-3pm

Noosa
St Vincent de Paul – Noosa (Statewide)
Noosa QLD
Ph: 07 5447 2576 M-F 10am – 3pm Phone contact only

North Cairns
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
1/320 Sheridan Street 
NORTH CAIRNS QLD 4870
Ph: 07 4031 0163

North Ipswich
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
1-2/16 Lowry Street 
North Ipswich QLD 4305
Ph: 07 3202 1852

Nundah
MD Queensland Community Purse
Muscular Dystrophy Association of Queensland (Muscular Dystrophy & Duchenne Disease)
1149 Sandgate Rd 
Nundah QLD 4012
Ph: 1800 676 364. Mon-Fri 9-5pm

Palm Island
Indigenous Consumer Assistance Network Ltd (Remote & Indigenous Community)
Main Floor, Sandy Boyd Building 
Palm Island QLD 4816
Ph: 07 4770 1622. Mon-Thu 8-5pm, Fri 8-12pm NILS Available to Palm Island residents only

Parramatta Park (Cairns area)
Shelter Housing Action Cairns Association Inc (Community & Housing)
3 Brisbane Street 
Parramatta Park (Cairns area) QLD 4870
Ph: 07 4080 7400. Mon-Tue, Thu 9-4pm; Wed 1-4pm.

Pialba
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
Signature Building, Level 1 Suite 8 
19-21 Torquay Road
Pialba QLD 4655
Ph: 07 4194 6597

Port Douglas
Port Douglas Neighbourhood Centre 
6-10 Mowbray St 
Port Douglas QLD 4877
Ph: 07 4099 5518, Wed-Fri 9am-4pm

Proserpine
Proserpine Community Centre 
36-38 Gardenia Street 
Proserpine QLD 4800
Ph: 07 4945 5915 Mon-Fri 9-3pm

Rasmussen
NQ Community Services 
1/43 Allambie Lane 
Rasmussen QLD 4815
Ph: 07 4774 0144. Mon-Thu 9-4pm

Ravenshoe
Ravenshoe Community Centre Inc 
3 Bolton Street 
Ravenshoe QLD 4888
Ph: 07 4097 6726 Mon-Fri 9-2pm

Robina
Wesley Mission Brisbane NILS (Robina) 
208 Highfield Drive 
Robina QLD 4226
Ph: 07 3621 4384 E: [email protected]

Rockhampton
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
1/83 West Street 
Rockhampton QLD 4700
Ph: 07 4921 4486

Rocky Point
Weipa Community Care Association Inc 
Weipa Community Centre 
1 Hibberd Drive
Rocky Point QLD 4874
Ph: 07 4069 9272. General Enquiries only: Mon-Thu 9-4pm, Fri 9-1pm Onsite Loans Worker Appointments : Tue 9.30-11.30am

Roma
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
144 McDowall Street 
Roma QLD 4455
Ph: 07 4622 1270

Runcorn (local area only)
Kyabra Community Association Inc 
Kyabra Street 
Runcorn (local area only) QLD 4113
Ph: 07 3373 9499 Mon-Fri, 9-4.30pm

Sherwood
Sherwood Neighbourhood Centre Inc 
38 Thallon Street 
Sherwood QLD 4075
Ph: 07 3379 6963 Mon-Thu 9-5pm

South Brisbane
St Vincent de Paul Society Queensland (Statewide)
10 Merivale Street 
South Brisbane QLD 4101
Ph: 07 3010 1029. Mon-Fri, 8-4.30pm

South Mackay
George Street Neighbourhood Centre Association Inc 
4 George Street 
South Mackay QLD 4740
Ph: 07 4957 2626. Mon-Fri, 8.30-3pm

Tara
Tara & District Family Support Committee Inc 
Tara Neighbourhood Centre 
49 Day Street
Tara QLD 4421
Ph: 07 4655 3508. Mon, Tue, Thu & Fri 9-12pm & 1-4pm

Toowoomba
Carer Assist Program
Carers Queensland Inc (Carers – Statewide)
907 Ruthven Street 
Toowoomba QLD 4350
Ph: 07 4632 8922

Townsville
St Vincent de Paul – Townsville (Statewide)
22-26 Echlin Street 
West End
Townsville QLD 4810
Ph: 07 4721 2030. Mon-Fri, 8.30-5pm

Townsville
Family Emergency Accommodation Townsville Inc 
89 Perkins Street 
Townsville QLD 4810
Ph: 07 4772 1450. Fri 9-12pm

Woorabinda
Banana Shire Support Centre 
Munns Drive 
HACC Building
Woorabinda QLD 4713
Ph: 07 4992 3322. Once per month site visit, telephone enquiries welcome

Wynnum
St Peter’s Community Service Fund 
86 Bride St 
Wynnum QLD 4178
Ph: 07 3348 7598 Enquiries: 1st & 3rd Thu of the month (except Jan), 9-10.30am; 2nd Thu of the month (except Jan), 2-3.30pm (Ph: 3822 1100) Interviews: 2nd, 3rd & 4th Thu of the month (except Jan)

Yarrabah
Indigenous Consumer Assistance Network Ltd (Remote & Indigenous Community)
ICAN “Wawal Gubu”(Look at Money) Office 
Shop 4, Noble Drive
Yarrabah QLD 4871
Ph: 07 4056 9001. Mon-Thu 8-5pm, Fri 8-12pm NILS only provided to Yarrabah Community

 
Review Other Financial Assistance Programs Below:

In addition to financial assistance from NILS, there are other social services like non-profits that can help with bills, rent, food and small cash loans or grants. If you are struggling with your finances, there are multiple things you can do to help improve your situations.

Bill Smoothing – A highly effective budgeting tactic used by utility companies but can be used across all bills. This helps keep monthly expenses at a low manageable amount and avoids large one off bills like rego.
Advanced Payment – For those collecting Centrelink benefits, this allows you to access a portion of your future payments to pay for current needs.
Financial Counsellors – For any general or serious financial issues, counsellors can assist. They have the ability to provide professional advice on all situations. They also have strong partnerships with most financial aid programs to help.
Centrelink Loans – If you are in a situation that requires cash, there are a range of responsible lending providers that help Centrelink recipients. Loans range from $100 to $4000 depending on lender and need.
Other Loan Options – In addition to the above, there are a range of other loan options for low income earners. This includes, bad credit, emergency, unemployed, single parent and more.