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No Interest Loan Scheme

Eligible SGCH tenants can apply for a no interest loan up to $2,000 to repay over up to 24 months for essential goods and services.

SGCH is a registered No Interest Loan Scheme (NILS) Service Provider and can help you make an application for an interest free loan.

Loans are up to $2,000 for repayment up to 24 months and can be used for goods and services such as fridges, furniture, washing machines, car repairs as well as education and medical/dental expenses.

In the NILS program, SGCH does not approve the loan or provide the actual money. Our Housing Plus Coordinator can help you apply, then the Community Loan Provider who looks after the finance will contact you directly about the outcome and next steps.

To be eligible you must have a health care card/pension card, have been an SGCH tenant for more than three months and show a willingness and capacity to repay.

Laundry room of an unfurnished unit with a dryer and sink

How to apply

To make the application, you will need to collect the documents below and book an appointment with our Housing Plus Coordinator.

  1. Proof of Residential Address (lease agreement)
  2. Proof of Identity (Passport, Drivers license, Birth certificate)
  3. Proof of Income (Centrelink income statement, Pay slips, ATO assessment)
  4. Proof of Expenses (Bank Statement, Utility Bills, Loans, Bills)
  5. Quote for goods (HEA ref number, Quote from store)

If you have any questions or need help accessing the information, please call us on 1800 573 370 and ask to speak with the Housing Plus Coordinator.