FDV No Interest Loans (NILS)

(NSW Wide)

DVSM have partnered with Good Shepherd Australia to offer our clients additional support with No Interest Loans.

No Interest Loans (NILs) are a smart loan option to help our clients manage their money.  Up to $2,000 can be borrowed for essential goods and services with no fees, no interest, and no charges, EVER.
NILS provides our clients the opportunity to only pay back what they borrow and nothing more.

There are times in life, despite how hard you try to keep on top of things, when unexpected expenses pop up.  Washing machine has broken down?  Unexpected car repairs?  Car registration due? Need a new laptop for work or school? NILs will pay the cost of these essential goods or services straight to the supplier / vendor.  Loans cannot be used for cash, bills or debts.

No interest loans

Women, trans women and non-binary people are eligible for our FDV NILs program if they:

  • Have experienced family or domestic violence in the past 10 years
  • Are aged 18 and older
  • Hold a visa that expires beyond the loan term, or are an Australia Citizen or Permanent Resident
  • Have a source of income enabling repayment of the loan - this can be solely government payments. (Affordability is assessed through the process)
  • There is no upper income threshold

How much can I borrow?

Borrow up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support your wellbeing.

Borrow up to $3000 for housing related expenses such as bond or rent in advance, or for recovery from a natural disaster.

What can I use a NILs loan for?

Borrow up to $2000 for essential goods and services including:

  • Household items like appliances, whitegoods & furniture
  • Car repairs & registration
  • Medical, dental, wellbeing and life event expenses
  • Technology like a phone or laptop
  • Education expenses like fees or uniforms
  • Employment expenses like licenses or equipment

Borrow up to $3,000 for:

  • Bond & rent in advance
  • Rates
  • Costs associated with a natural disaster

Am I eligible?

  • Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children
  • OR Have experienced family or domestic violence in the last 10 years
  • OR Have a Health Care Card / Pension Card

AND You can show you can afford to repay the loan

You can contact No Interest Loans (NILS)
directly, without a referral

Or email [email protected]

Wednesday, Thursday and Friday between 9am and 5pm


Refuge Outreach Action Response (ROAR)

(Western Sydney)

Moving Out Moving On (MOMO)

(Inner City Sydney)

Wilcannia Safe House (WSH)

(Far West NSW)

Domestic Violence After Hours Service (DVAHS)

(Western Sydney)

Accompanied Children's Support Services (ACSS)

(Western Sydney)