Wollongong Multicultural No Interest Loans (NILs) Support

Empowering Multicultural Communities with Interest-Free Loans

Based in the heart of Campbelltown, FOCUS Connect proudly delivers the No Interest Loans (NILs) initiative to individuals and families from multicultural and culturally diverse backgrounds across Wollongong and the Illawarra.



We offer an ethical and accessible way to borrow — no fees, charges, or interest, EVER. Just straightforward, community-backed financial access to help ease the pressure when it’s needed most.

What Are No Interest Loans (NILs)?

Life doesn’t always go to plan—appliances break down, vehicles stop working, or school essentials become urgent. That’s where NILs step in.


These interest-free loans are designed for situations just like these. You borrow what you need, and that’s all you pay back — no hidden extras.


Payments go straight to the supplier, not into your hand, which helps keep things simple and secure.


It’s a practical alternative to payday lenders or rent-to-buy schemes that often lead to more stress down the track. With NILs, there’s no catch — just a fair way to manage life’s unexpected moments.

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

How Does NILs Work?

Submit your application along with a quote or invoice from a store or service provider. If your application is successful, NILs will transfer payment directly to the business.



Note: Funds cannot be used for rent, outstanding bills, existing debts, or cash purposes.

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

We’re here to make the process simple and stress-free.


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?

    A no-cost loan option—completely free of interest or fees—used for vital goods or services, with payment sent straight to the supplier.

  • 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?

    Refer to the list above. The loan must go toward products or services—not for cash, utilities, or debt payments.

  • Do I pay any fees or interest?

    No. There are absolutely no charges or interest added. What you borrow is all you repay.

  • Do I need to provide security?

    No security is required.

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

    Yes. As long as you meet the criteria set out above, you're welcome to apply.

  • Can temporary visa holders apply?

    Yes — if the repayment period fits within the timeframe of your current visa.

  • What documents do I need?

    We’ll help you prepare a basic budget and collect supporting documents like income statements, rental agreements, and invoices.

  • How does repaying my NILs loan help others?

    Every repayment helps fund the next loan. It's part of a community-led system known as the Circular Community Credit Model—a shared resource that keeps giving.

Need Support or Want to Refer Someone?

Applying for yourself? Assisting a friend or family member? FOCUS Connect offers friendly, local assistance right here in Wollongong. Reach out to get started or point someone in the right direction.