No Interest Loans (NILS)

These loans are usually between $200 to $1500 and are available for a range of purposes including essential household items (fridges, washing machines, TV, Beds etc), health aids and education costs. Payments are made directly to your chosen retailer; cash loans are not available. To be eligible you must be in receipt of a Centrelink payment. Additional criteria may apply. 

There are no fees, charges or penalty payments when taking out a No Interest Loan. As borrowers repay their loans, Kyabra is able to continue to provide loans to other people who are on low incomes. This "recycling" of money provides a valuable, ongoing resource for our local community.


Low Interest Loans

The StepUp loan is a safe low interest loan of up to $3000 for  items such as fridges, washing machines, cars, computers, furniture, medical expenses and house repairs. To be eligible you must hold a Centrelink Health Care Card or Pension Card, or be in receipt of Family Tax Benefit Part A and have lived at your current address for at least three months. StepUp loans are delivered in partnership with NAB; credit history checks and additional criteria apply.



For more information contact our Intake Team at Kyabra:

Phone: 07 3373 9499