No Interest Loan Scheme (NILS)
Loans of between $300 – $1,500 for essential goods and services such as fridges, washing machines or education expenses
Loans of between $300 – $1,500 for essential goods and services such as fridges, washing machines or education expenses
Low interest loans of between $800 – $3,000 with no fees and affordable repayment periods
Free and confidential financial counselling services for anyone experiencing financial difficulty.
Simple car and contents insurance with flexible payment options.
The No Interest Loan Scheme (NILS) provides individuals and families on low incomes with access to safe, fair and affordable credit.
There are no fees, interest or charges.
To be eligible for NILS, you must have a Health Care Card or earn less than $45,000 a year (after tax).
Loans cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills.
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.
To be eligible for StepUP, you must hold a current Centrelink Health Care Card, Pension Card or Qualify for Family Tax Benefit A and have lived at your current address for more than three months.
Financial counselling is a free, confidential service that provides information, support and advocacy to assist people with their finances.
Financial Counsellors can provide information on a number of topics, including budgeting and managing complex debt issues, and they can advocate with other agencies on your behalf.
To book a phone or face to face appointment, call 1300 148 028.
If we can’t assist you immediately over the phone, we will arrange a follow-up appointment also.
If you can have all your financial papers ready before calling, we will be able to assist you more quickly.
Essentials by AAI, developed with Suncorp, allows customers to comprehensively insure their car, their home contents or both.
Customers can also choose to pay premiums annually, or in monthly or fortnightly instalments, and use Centrepay to manage payments.
Essentials by AAI has won awards for innovation at the Australian Insurance Industry Awards the Canstar Awards, Money Magazine Awards and the AB+F Insurance Awards.
Find out more about Essentials by AAI at www.essentialsbyaai.com.au