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NILS® Loan
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A quick, flexible loan for household goods, unexpected household repairs, education expenses or any other worthwhile purpose except day-to-day living expenses.

Fair Finance is accredited through Good Shephard Microfinance to provide NILS® loans.

Our Approach to 'Selling' Products

At all times, we do what's best for you. This means we:

  • Recommend the most suitable loan product for you
  • Find someone who can help you if our products don't suit your needs
  • Assist you in understanding decisions made regarding your Fair Finance loan application
Ideal For ø White good purchase
ø Unexpected expenses (except day-to-day living expenses) 
Who Can Apply To apply, you must be:

ø On income support
ø A permanent resident or citizen of Australia
ø Holding a valid health care/ pension card
Loan Amount $800 - $1,200
Term 9 - 18 months
Repayments Flexible repayment options:

ø Weekly, fortnightly or monthly repayments
ø Direct-debit or Centrepay

Full Repayment Options
Additional Repayments Make extra repayments as often as you want, without penalties.
Key Features ø No security required
ø No interest loan
Interest Rates Nil
Fees No Fees:

ø No application fee
ø No on-going fees
ø No early exit fees
Processing Time Loan decision within 24 hours of receiving completed application and supporting documents.
Apply Step 1: Download an Application Form
Step 2: Collect Supporting Documents
Step 3: Request an Appointment

NILS® Loans at a Glance

personalffa Personal application process: we look at your individual situation when assessing your loan application.
 quickffa Quick decisions: loan decision within 24 hours of completed application process.
flexibleffa Flexible repayment options: weekly, fortnightly or monthly repayment options.
 extrarepayffa Extra repayments: additional repayments means you can pay the loan down at any time.
nofeesffa No fees: no application fee, no monthly on-going fees, no early exit fees.

 

Search Website

Request an Appointment

Online: Click Here

Phone: 07 3851 8080
Email: Enquire

Postal: PO Box 742
Fortitude Valley Qld 4006

Office: 35 Brookes Street
Bowen Hills Qld 4006

You can also request to visit us at any of our outreach locations around South East Queensland. Below is a complete list of current outreach locations.

For more information on dates and times for each location, click the 'More Info...' button.

Outreach Locations

Kyabra Community Association

Address: Kyabra Street Runcorn Qld 4113 ...

More Info...

Caboolture Hub

Address: 4 Hasking Street Caboolture Q...

More Info...

Helensvale Plaza Shopping Centre

Address: 12 Sir John Overall Drive Helen...

More Info...

Nerang Neighbourhood Centre

Address: 29 Martin Street Nerang Qld 421...

More Info...

Repayment Options

Compare the different repayment options that exist and how they effect what you pay over the term of the loan.
Compare repayment amounts over weekly, fortnightly and monthly payments and compare the interest payments between
12 and 24 month terms.

warning

Warning about Borrowing

Do you really need a loan today?* It can be expensive to borrow small amounts of money and borrowing may not solve your money problems. 

application

Download an Application

Download an application to get the Fair Loan application process started. Fill out your application form and return it to Fair Finance to get started today.

appointment

Request an Appointment

Request your appointment today or phone (07) 3851 8080 to get the Fair Finance Loan application process started with one of our lending officers.