The Cranbourne & District No Interest Loans Scheme (NILS) is designed to help people on a low-income (especially those on a Centrelink income) buy essential household goods such as:

  • Car Registration
  •  Fridges
  • Washing machines
  • Furniture
  • Computers
  • TVs
  • School books
  • Health Aids (like walking frames, glasses, or asthma pumps)

NILS cannot be used for cash, loan repayments, housing costs.

The loan is for a value of up to $2000 and can be re-paid at an affordable rate. Borrowers can apply for further loans once the initial loan is re-paid.


NILS applicants MUST have lived at their current address for at least six months, and provide evidence that they have the ability to re-pay the loan.

Contact Details

Drop into CISC or phone 5996 3333 with any questions you may have.