What is the No Interest Loan Scheme?



The Global Care-Riverside Lifehouse No Interest Loan Scheme (NILS®) is modelled on schemes that have been operating around Australia for over 30 years. It enables low income earners to access credit to purchase essential household items (eg: refrigerator, medical equipment, etc). Global Care-Riverside Lifehouse No Interest Loan Scheme NILS® is an alternative form of credit, not emergency reflief. Loans are provided to people who are able to repay a loan without it causing financial pressure.


What we do lend for:

  • Household appliances
  • Furniture
  • Medical Equipment
  • Car Registration


What we don’t lend for:


  • General Living expenses
  • Car Repairs
  • Rent Payments
  • Emergency Relief



  • Tailored to suit your budget
  • Debited using Centrepay (preferred)
  • Minimum $10 payment per fortnight
  • Up to 18 months


Our Sponsors

We receive valuable financial support from:

  • NSW Fair Trading
  • National Australia Bank
  • Country Energy
  • Department of Family, Housing, Community Services, Indigenous Affairs



Click here to download NILS® Brochure:


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