0% interest and no fees or charges  – EVER

Picabeen is an approved No Interest Loan ( NILs) Provider and loans may be applied for at Picabeen Community Centre

Due to an increased volume of enquiries – we are only able to process applications from people who reside within our catchment area which includes  Arana Hills, Enoggera, Everton Park, Gaythorne, Grovely, Keperra, Mitchelton, Ferny Grove, Ferny Hills and Upper Kedron

PLEASE NOTE: Our NILS volunteers only attend Picabeen on Wednesday, and this is the only day that appointments are made

Washing machine broke down? Unexpected car repairs? Need a new laptop for work or school? We’ll pay the invoice for you (NO CASH)

Unexpected expenses are bound to pop up from time to time. Don’t choose an option that might get you into trouble later. With NILs, you only pay back what you borrow, nothing more

How does NILs work?

Once approved you submit your invoice and NILs will pay it straight to the supplier / vendor. Loans cannot be used for cash, bills, debts or rent

What can I use a NILs loan for? 

Borrow up to $2,000 for essential goods and services including:

• Household items like appliances,whitegoods & furniture
• Car repairs
• Medical,dental,wellbeing and life event expenses
• Technology like a computer or laptop ( up to $2,000 limit)
• Technology like a phone,tablet,and other small electronic devices (up to $1000 limit)
• Education expenses like fees or uniforms
• Employment expenses like licenses or equipment

Nils cannot be used for cash, bills, rent or debts

Am I eligible?

• have a Health Care or Pension Card

OR

• earn less than $70,000 ( before tax) as a single

OR

• earn less than $100,000 (before tax) if you have a partner or dependents

OR

• have experienced family or domestic violence in last 10 years

AND

• you have lived at your current address for a minimum of three months

AND

• you can afford to repay the loan ( Centrepay and direct debit availab