No Interest Loans Scheme (NILS)

Rosanna Fire Station Community House is accredited with the Good Shepherd Microfinance to assist with loan applications for the No Interest Loans Scheme (NILS) which is an interest free loan for individuals and families on a low income. To be eligible for NILS applicants must have a Health Care or Pension card or earn less than $45,000 a year after tax ($60,000 for joint applicants or people with children). Loans cannot be used for cash, rent arrears, debt consolidation or bills. Loans are available for up to $1,500 for essential goods and services. NILS is a community based program that enables people to access fair, safe and equitable credit for the purchase of goods and services. There are no fees or charges and loan repayments are worked out to meet individual needs over 12 to 18 months.

Loans are available for the purchase of essential goods and services which include:

  • Household items i.e. 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

To make an appointment, please either call the office on 9458 1935 or fill out the contact form on Rosanna’s website Further details on the NILS Program can also be found at