Liverpool Multicultural No Interest Loans (NILs) Support

Empowering Multicultural Communities with Interest-Free Loans

Based in Campbelltown, FOCUS Connect extends No Interest Loans (NILs) to individuals and households from multicultural and linguistically diverse backgrounds throughout Liverpool and surrounding suburbs.


This initiative offers a fair and responsible way to access credit—with absolutely no hidden fees, no added interest, and no charges, EVER. It’s a reliable option built to reduce financial stress, giving people the breathing space to manage essential needs when unexpected costs arise.

What Are No Interest Loans (NILs)?

When everyday life throws a curveball — whether it’s a fridge on the blink, urgent car repairs, or tech needed for school — NILs offer a practical way forward.


This initiative provides access to interest-free borrowing, with repayments covering only the original amount — no added costs, no fine print. You only repay what you borrow.


Funds are transferred directly to the retailer or service provider, not the borrower, making the process clean, direct, and secure.


For people in Liverpool looking to avoid high-interest options or risky finance traps, NILs offer a smart and straightforward solution during times of need.

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

How Does NILs Work?

Complete your application and include a current invoice or quote from the relevant store or service provider. If approved, NILs will process the payment directly with the supplier.



Note: These loans can’t be used for rent, utility bills, debt repayments, or to receive cash.

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

Applying doesn’t need to be complicated. We're here to keep things straightforward and easy to follow.

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 a completely interest-free, fee-free loan that covers the cost of essential products or services. Payments go straight to the vendor — no cash in hand 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?

    See the approved uses listed above. NILs can’t be used for bills, cash advances, or paying off existing debt.

  • Do I pay any fees or interest?

    Not at all. There are no fees, no interest, and no hidden charges — just a fair way to borrow what you need.

  • Do I need to provide security?

    No, security is not required.

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

    Yes. If you meet the eligibility requirements outlined earlier, you’re encouraged to apply.

  • Can temporary visa holders apply?

    Yes, as long as the loan term ends before your visa expires.

  • What documents do I need?

    Our team will assist you in preparing a simple financial plan and gathering documents like payslips, lease agreements, and supplier quotes.

  • How does repaying my NILs loan help others?

    Once your loan is repaid, that money is recycled to help the next applicant. It’s part of a community-based lending system — called the Circular Community Credit Model — that helps others in Liverpool do the same.

Need Support or Want to Refer Someone?

Whether you're submitting an application for yourself or helping someone close to you, FOCUS Connect is here for the Liverpool community. Get in touch to begin the process or refer someone who could use a hand.