Find Your Nearest NILS
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About Us


This program is operated by Winmalee Neighbourhood Centre Incorporated through funding provided by NSW Fair Trading.

The programs’ purpose is to assist NSW residents interested in accessing a NIL (No Interest Loan) to find a scheme provider operating in their area.

When you call the FREECALL service, the operator will ask you a series of questions to help direct you to the appropriate scheme/schemes.

You may also search for a scheme in your area by entering your postcode into our search table. 


If you are struggling financially and require a loan, consider NILS before going to a payday lender or rent-to-buy service. NILS is a safe and affordable alternative to other high cost, “fast cash” finance options.