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Check eligibility

Our network of local community organisations supports people across Australia to access safe and affordable credit for essential goods and services.

If you need assistance in the meantime, you can contact 13 NILs (13 64 57), Monday to Friday, 9:00am–5:00pm (Eastern Standard Time).

No interest, no fees, no charges, ever.

Find out if a NILs loan is right for you.

Check my eligibility