No Interest Loans (NILS) Coronavirus Relief

No Interest Loans (NILS) for anyone adversely impacted by the Coronavirus will be available soon. However, anyone needing immediate assistance can apply for an existing NILS loan, although this loan has narrower criteria and is not for bills.

For further information on NILS loans, 

Call 07 3808 4529 or email

News and Events 

What is NILS?

  • No Interest Loans (NILS) provide individuals and families on low incomes with access to safe, fair and affordable credit.
  • Loans are available for essential goods and services such as fridges, washing machines, car repairs and medical procedures for up to $1,500.
  • Repayments are set at an affordable amount over 12 to 18 months.





  • Borrow between up to $1500
  • No fees
  • Repayments between  6-18 months
  • Ongoing support from Microfinance team.


AM I eligible?

  • I have a Health Care Card / Pension Card or earn less than $45,000 a year after tax ($60,000 for couples or people with dependents)
  • I have lived at my current or previous address for at least 3 months
  • I can show that I have a capacity to repay the loan


What can I use NILS for?

Loans are available for the purchase of essential goods and services

These may include:

  • Household items like fridges,
    washing machines, TVs and furniture
  • Medical procedures and dental services
  • Education essentials such as computers and text books
  • Car repairs or registration
  • Some other items as requested

Does not include:

  • Rent
  • Bills
  • Cash
  • Debts



    Send your enquiry to
  • 2.IF YOU ARE ELIGIBLE EMAIL or phone 07 3808 4529 to book an phone appointment.
    Complete the paperwork/supporting documents from the document checklist *paperwork needs to be current at the time of the interview so please send 24-48 hours prior to your appointment date ensuring documents are no longer then two weeks old (eg bank statement/income statement/rental ledger/loan contract)
    Allow at least one hour to complete your phone appointment -the microfinance worker will go through your budget to ensure the loan is affordable.
    Your application will be sent to the loans assessor for  assessment, we aim to  have an answer if you have been approved or not successful within 2-3 business days
    If approved, the company which the loan purpose is for will be paid and a remittance will be sent the following day to the company and yourself. There will be instructions to the company to contact you directly to organise  delivery/pick up of the goods or schedule service/repair.
  • 6.REPAY
    Make repayments this will either be automatic from your centrepay deductions or via direct deposit each fortnight as agreed in the loan application.




Enquires & Applications can be emailed to 

*Please note our loans team are working remotely from home due to coronavirus please be patient as we are processing large volumes of applications at the moment.



StepUP is a low interest loan for people on low incomes who have difficulty accessing credit from a bank. You can borrow from $800 – $3,000 with up to three years to pay it back. There are no fees.

Microfinance workers will help you to collect the documents you need, complete the application and help make sure that you can afford to repay your loan. Loans can be held in individual or joint names.

These loans are to help people to improve their quality of life and are provided on a not-for-profit basis




  • Borrow between $800 – $3,000
  • No fees and low interest at 5.99% p.a. (Comparison rate* 5.99% p.a.)
  • Repay over a set term of up to 3 years
  • A credit check is required



To qualify you must:

  • Have a Health Care Card/Pension Card, or receive Family Tax Benefit A

  • Reside in your current premises for more than 3 months

This and other eligibility criteria will be discussed by the Microfinance Worker when you enquire.


What can the loan be used for ?

>FurnitureSecondhand cars or repairsNew household appliances such as fridges and washing machinesMedical expensesVocational educationComputers

items such as:

  • Secondhand cars or repairs
  • White goods
  • Furniture
  • Computers
  • Vocational education
  • Medical expenses

*Loans cannot be used for cash, debt consolidation, holidays or bills




    Send your enquiry to StepUP.
    Complete the paperwork provided by the StepUP Microfinance Worker.
    Bring all your paperwork to a meeting with your local StepUP Microfinance Worker.
    Your application will be sent to NAB for assessment, which includes a credit check.
    If approved, you will need to visit your local NAB branch to sign the loan contract and either receive a cheque made out to the supplier or the supplier will be paid via EFT. If declined, you will receive a call from your StepUP Microfinance Worker and a letter from NAB.
  • 6.REPAY
    Make repayments to NAB weekly, fortnightly or monthly as agreed in the loan application.










Enquires & Applications can be emailed to 

*Please note our loans team are working remotely from home due to coronavirus please be patient as we are processing large volumes of applications at the moment.


Crisis contacts

In an emergency call 000 or go to your local hospital emergency department.

1300 MH CALL – 1300 642 255

Mental health access line

1300 MH CALL (1300 642 255) is a confidential mental health telephone triage service that provides the first point of contact to public mental health services to Queenslanders.

1300 MH CALL is available 24 hours a day, 7 days a week and will link to the caller’s nearest Queensland Public Mental Health service.

The 1300 MH CALL service:

  • is the main point of access into public mental health services
  • can provide support, information, advice and referral
  • can provide advice and information in a mental health emergency or crisis
  • is staffed by trained and experienced professional mental health clinicians
  • will provide a mental health triage and refer to acute care teams where appropriate.

24/7 crisis services

Lifeline 13 11 14

Suicide Call Back Service 1300 659 467

beyondblue 1300 22 46 36

MensLine Australia 1300 78 99 78

Kids Helpline 1800 55 1800


Other support and information services

Queensland Health 13 HEALTH (13 43 25 84)

Alcohol and Drug Information Service 1800 177 833

Counselling online (drug and alcohol) 1800 888 236

Quitline 13 78 48

SANE Australia 1800 18 7263

headspace 1800 650 890

youthbeyondblue 1300 22 46 36

Veterans Support Service 1800 011 046

PANDA (perinatal anxiety and depression) 1300 726 306

Butterfly Foundation (eating disorders) 1800 334673

The Eating Issues Centre (eating disorders) (07) 3844 6055

QLife (LGBTI) 1800 184 527

Griefline 1300 845 745

Grow Australia (support through peer groups) 1800 558 268