Vinnies NILs
No Fees. No Charges. No Interest
Small loans up to $1,500 for low income families and individuals.
Ph : 03 5229 8829
What is Vinnies NILS
No Interest Loans (NILs) provide individuals and families on low incomes with access to safe, fair and affordable credit.
NO FEES NO CHARGES NO INTEREST
It is worth considering a NILs loan first before seeking other expensive options for credit like a payday loan or rent to buy.
Am I Eligible?
I have a Health Care Card / Pension Card
OR
Earn less than $45,000 a year after tax or $60,000 for couples or people with dependants
Loan Purpose
Car Repairs, Maintenance, Registration
Computer, Tablet
Education & Course Fees, School Uniforms
Fridge, Freezer
House Repairs, Maintenance, Hot Water Service
Household Furniture
Medical & Dental Costs, Medical Equipment
and more…
How Do I Apply?
Complete the Online Enquiry Form or Call (03) 5229 8829
Interviews can be completed with a volunteer at a local community centre in your area or over the phone. During your initial enquiry we will confirm your interview options given your location in Victoria.
Once your loan is approved, Vinnies NILs will make payment on your behalf to the retailer with repayments automatically deducted from your Centrelink benefit each fortnight.
To help you stay in control of your finances, you can also increase your fortnightly repayment and pay off your loan early with no hidden costs or charges.