No Interest Loans Scheme
Interest Free Loans with No fees for low-income earners
Metro Assist can assist you in obtaining a no-interest loan of up to $2000 or $3000 depending on your circumstances. The NIL’s loans are interest-free, and there are no fees – ever. (*conditions apply)
About Our Program
Metro Assist can assist you in obtaining up to $2000 No Interest loan for essential household items, education fees and equipment, car expenses or medical bills to support your wellbeing.
You could be eligible to borrow up to $3000 for housing-related expenses or for recovery from a natural disaster.
The NILs loans are interest-free, and there are no fees, and you only pay back what you borrow.
Who can get a NILs loan?
To be eligible, you must:
- Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children.
- Or have experienced family or domestic violence in the last 10 years.
- Or have a Health Care Card / Pension Card
What can I use a NILs loan for?
You can borrow up to $2000 for essential goods and services including:
- Household items like appliances, white goods & furniture
- Car repairs & registration
- Medical, dental, well-being and life event expenses
- Technology like a phone or laptop
- Education expenses like fees or uniforms
- Employment expenses like licenses or equipment
Or you can borrow up to $3,000 for:
- Bond & rent in advance.
- Rates
- Costs associated with a natural disaster
What do I need to apply?
When you apply, you’ll need to provide:
- 100 points of ID (such as a driver’s license, passport, Medicare card, Centrelink card, bank card or bills, including something to verify your address)
- Details about your financial situation (bank statements and/or banking details, payslips and/or current Centrelink statement, plus an estimate of your regular expenses)
- Information on existing debts (such as buy now pay later, payday loans or rent-to-buy)
- A quote or invoice that shows: the date, a description of the item/service, the supplier’s details (business name, ABN, address, phone or email), banking or payment details, and the payment amount with delivery included
Where do I have to live?
Supporting clients living in Canterbury-Bankstown, Inner West, Canada Bay, Georges River and Bayside LGA’s.
How do make a booking?
Financial Wellbeing Programs
Financial Counselling
Family assistance to strengthen your child’s well-being and create a secure home environment while providing support to prevent challenges from worsening, and keeping the family together.
Learn more
Energy Accounts Payment Assistance
You can apply for an EAPA vouchers if you are having difficulty paying your current household energy bill due to short-term financial distress or emergency. Vouchers are limited, and are sent electronically to the energy retailer.
Learn more
Emergency Relief
Relief Assistance helps you address basic needs in times of financial distress or hardship. An appointment will be required to assess your eligibility where one-off vouchers – not cash – may be provided depending on your circumstances.
Learn more