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No Interest Loan Scheme

SGCH customers who meet the eligibility criteria can request an interest-free loan of up to $2,000, with a repayment period of up to 24 months, for essential goods and services.

SGCH does not authorise the loan or supply the funds. Instead, our Housing Plus Services Coordinator will assist you with the application process. Following this, the Community Loan Provider who looks after the finance will contact you directly about the outcome and next steps. 

What can I use a NILs loan for?

  • 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

Am I eligible?

  • Have a Health Care Card / Pension Card
  • Or have experienced family or domestic violence in the last 10 years
  • Or 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
  • And you can show you can afford to repay the loan

What do I need to apply?

When you apply, you will need to provide:

  • 100 points of ID (such as a driver’s license, passport, Medicare card, Centrelink card, bank card or bills, including something to verify your address)
  • Details about your financial situation (bank statements and/or banking details, payslips and/or current Centrelink statement, plus an estimate of your regular expenses)
  • Information on existing debts (such as buy now pay later, payday loans or rent-to-buy)
  • A quote or invoice that shows: the date, a description of the item/service, the supplier’s details (business name, ABN, address, phone or email), banking or payment details, and the payment amount with delivery included.
  • If you haven’t chosen the exact item you’d like to buy, but know the rough amount, you can apply for ‘pre-approval’ to see if you’ll be eligible, then supply the invoice later. Note: No Interest Loans CANNOT be used for cash. We pay directly to the supplier.

How to apply? 

Email our Housing Plus Services Coordinator: 

Call our Customer Care Hub – 1800 573 370