Cabramatta Multicultural No Interest Loans (NILs) Support

Empowering Multicultural Communities with Interest-Free Loans

FOCUS Connect, operating from our office in Campbelltown, offers No Interest Loans (NILs) to individuals and families across Cabramatta and nearby areas who come from multicultural or non-English speaking backgrounds.


This program provides a straightforward way to borrow — completely free from interest, fees, or extra costs, EVER. It’s a practical financial option designed to ease pressure during challenging times and help cover life’s essential needs without creating long-term debt.

What Are No Interest Loans (NILs)?

Unexpected costs happen—a broken appliance, last-minute car troubles, or school supplies that just can’t wait. NILs provide a sensible way to handle these moments without the burden of extra charges.


With NILs, there’s no interest and no hidden fees. You only repay what you borrow. Nothing more.


The payment goes straight to the store or service provider, keeping the transaction safe and uncomplicated.


For residents in Cabramatta who want to avoid expensive credit or payday loan traps, NILs offer a trustworthy, community-backed solution when life gets financially tough.

a man and a woman are sitting on a couch looking at a phone

How Does NILs Work?

Start by submitting your application along with a recent invoice or quote from the business providing the goods or services. Once approved, NILs arranges payment straight to the supplier—no money is handed to the borrower.



Note: These loans are not available for rent, cash, paying bills, or clearing existing debts.

How Much Can I Borrow?

Up to $2,000 for essential goods and services:

Appliances, whitegoods, and furniture

Car repairs

Medical, dental, or veterinary expenses

laptop

Technology like a computer or laptop (up to $2,000)

computer tablet and a smartphone

Technology like a phone, tablet or small electronics (up to $1,000)

Education expenses (fees, uniforms)

Employment-related costs (tools, licences)

Up to $3,000 for:

Bond on a new rental property

Earth with exclamation sign

Recovery from a natural disaster

Please Note: NILs cannot be used for cash, bills, general rent payments, or debt consolidation.

Am I Eligible?

To apply for NILs, you must meet all the following:

1. Income & Eligibility

You either:



  • Hold a Health Care Card or Pension Card
  • OR earn less than $70,000 (before tax) as a single
  • OR earn less than $100,000 (before tax) with a partner or dependents
  • OR have experienced family or domestic violence in the past 10 years

2. Capacity to Repay

You must show that your income exceeds your expenses, allowing for NILs repayments through Centrepay or direct debit.

3. Residency Requirement

You’ve lived at your current address for at least 3 months


This requirement may be waived if you:



  • Are a repeat NILs borrower
  • Are transitioning to public or low-cost housing
  • Have experienced family or domestic violence
  • Lived at a previous address for 6+ months

Our Service Areas

We also proudly support residents in:

a man and a woman are sitting on a couch looking at a piece of paper
a man and a woman are sitting on a couch looking at a piece of paper

How to Apply for NILs

Getting started is simple. We’re here to make the process clear and stress-free from the beginning.


Our team will:

  • Guide you through the application process
  • Help you gather the right documents
  • Work with you to create a manageable budget


Submit an enquiry online and a team member will contact you shortly.

Frequently Asked Questions

  • What is a NILs loan?

    It’s an interest-free and fee-free loan designed to cover the cost of crucial goods or services. Payments are made directly to the supplier — no physical cash is involved.

  • How much can I borrow?

    • Up to $2,000 for essentials
    • Up to $3,000 for rental bonds or disaster recovery

  • What can I use it for?

    Only for approved goods or services. It can’t be used to pay off debts, cover bills, or access cash.

  • Do I pay any fees or interest?

    No. There are no fees, no interest, and no hidden charges — just the amount you originally borrowed.

  • Do I need to provide security?

    No security or collateral is needed.

  • Can I apply if I’m on a low income?

    Yes. If you meet the listed eligibility requirements, you can submit an application.

  • Can temporary visa holders apply?

    Yes — provided your loan can be repaid before your visa’s expiry date.

  • What documents do I need?

    We’ll help you put together a basic budget and gather the documents required, such as payslips, tenancy agreements, or supplier quotes.

  • How does repaying my NILs loan help others?

    Each repayment helps fund the next loan. That money goes back into a shared lending pool — known as the Circular Community Credit Model — supporting more people across Cabramatta in the same way.

Need Support or Want to Refer Someone?

Applying for yourself or helping out a family member or friend? FOCUS Connect proudly supports the Cabramatta community. Reach out to start your application or refer someone who could benefit from the program.