WA No Interest Loans Scheme

No interest, no fees, no charges, ever.

Anglicare WA is a provider of the WA No Interest Loans Scheme (WA NILS). Find out more below or visit our WA Nils website.


No interest loans

If you are a low-income earner, you could be eligible for a no interest loan up to $2,000 for essential items including household appliances, furniture, laptops, vehicle registration payments, dental procedures and other essential goods and services. You can check your eligibility here.


No interest vehicle loans between $2,000-$5,000 are available for people and families on low incomes to purchase a vehicle for essential use, vehicles include cars, scooters, mobility scooters and motorcycles. You can check your eligibility here.


How does NILs work?

Submit your invoice with your application and NILs will pay it straight to the supplier / vendor. Loans cannot be used for cash, bills or debts.

How much can I borrow?

  • Borrow up to $2000 for essentials such as appliances or furniture, car repairs or rego, a new phone or laptop, or medical, dental or vet expenses.
  • Borrow up to $3000 for housing-related expenses such as bond or rent-in-advance, or for recovery from a natural disaster.

What can I use a NILs loan for?

Borrow up to $2000 for essential goods and services including:

  • Household items like appliances, whitegoods & furniture
  • Car repairs & registration
  • Medical, dental, wellbeing and life event expenses
  • Technology like a phone or laptop
  • Education expenses like fees or uniforms
  • Employment expenses like licenses or equipment

Borrow up to $3,000 for:

  • Bond & rent in advance for a new rental property
  • Rates
  • Costs associated with a natural disaster

Am I eligible?

  • Earn less than $70,000 annual income (before tax) as a single person OR
  • Earn $100,000 annual income (before tax) if you have a partner or children

    Good Shepherd Tick OR Have experienced family or domestic violence in the last 10 years
    Good Shepherd Tick OR Have a Health Care Card / Pension Card
    Good Shepherd Tick AND You can show you can afford to repay the loan

Visit our WA Nils website to find out more

Feeling lost?

Anglicare WA offers a wide range of services and with 74 service locations across WA, we’re never too far away.

If you’re not sure where to go, call us on 1300 11 44 46.

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