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No Interest Loan Scheme

Welcome to NILS

Our mission is to provide no interest loans to local people in acute financial need. We are a registered charity providing people who live in Herefordshire, Shropshire and Worcestershire with loans up to £400 to pay for essential items purchased from local businesses.

You pay back only what you borrow with no fees or extra charges

Our Values

Am I eligible?

What are the loans for?

You cannot use the loan to finance the repayment of debts, or to meet other outstanding financial obligations


  • NILS works directly with the suppliers of the goods or services. we do not not provide cash loans

  • We expect you to repay the loan over a period of not more than 24 months, but we do take into account your financial circumstances

  • We have respectful assessment and manageable payment processes

  • If we assess that you are in need of the item to be purchased, but you cannot make any loan repayments, we may in exceptional circumstances make you a grant

Make an Appointment

If you would like to call in to discuss your requirements in person then please fill in the details below and we will get back to you with an appointment time and date.