WA NILS provides families and individuals on low incomes in Western Australia with the opportunity to apply for no interest loans in times of need.

We offer two no interest loans programs: 
  • WA No Interest Loans: Loans up to $2,000 to help with the purchase of essential household items and some services such as medical and dental. 
  • No Interest Loans for Vehicles: Loans up to $5,000 to help with the purchase of vehicles for essential transport, such as a motor vehicle, motorbike, motor scooter or mobility scooter. 

Our loans are No Interest. No Fees. No charges. Forever. ​

When you repay your loan, these funds then enable someone else in the community to access the no interest loan program.​

If you are ready to apply, sign in and click on 'Apply' on the top navigation.

Note: terms and conditions apply.

Please sign in to apply for a new loan, upload supporting documents or to view the progress of your application.