NILS - No Interest Loan Scheme


FOCUS Connect provides No Interest Loans (NILs) that enables people and families with access to fair, safe and affordable credit to purchase essential goods and services to the maximum value of $3000.  

How much can I borrow?

Borrow up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support your wellbeing.

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:


Borrow up to $3000 for:


Am I eligible?  

You are eligible for a No Interest Loan if you:  


Eligibility criteria applies and all applications and loan amounts are assessed on an individual basis.

How can I get a No Interest Loan? 

To book an appointment and start your NILs application, contact:

Phone: (02) 4627 1188


For any other information: Download NILs Flyer