No Interest Loan Scheme (NILS)
CPAP Sales mission is to “make sleep apnea healthcare more affordable”
We support the efforts of the NILS program which will fund essential medical equipment to those who need help. The NILS scheme is available NATIONWIDE.
Can I get a Loan to buy a CPAP Machine?
Yes, the No Interest Loan Scheme (NILS) is offered through local community organisations.
Several of our Customers have been able to obtain a no interest loan to purchase CPAP Machines from us.
Usually NILS sends us payment via a cheque or bank deposit directly to us.
A typical NILS loan is around $800 – $1200, and can be used for medical appliances (such as CPAP/APAP machines) or any other essential household item. As loans are repaid over 12-18 months, the money is ‘recycled’ and lent out again to other people in the community.
To be eligible for a NILS loan, a potential borrower must generally:
- hold a current Health Care Card, receive a Centrelink payment or have a low income
- live within the NILS program delivery area
- have lived in their residence for approximately 3-6 months
- show a willingness and capacity to repay
- request essential goods and services
Exact requirements depend upon each specific NILS program in the community.
Click on the links below for details on No Interest Loans for CPAP Machines;
- More details on the NILS scheme
- NILS eligibility criteria
- A postcode search for your nearest NILS service providers in NSW
- A list of NILS contacts around Australia
or call NILS direct on 1800 50 99 94
“The No Interest Loan Scheme is available for low income earners in tough situations…”
If you are not eligible for a NILS loan owing to credit and debt issues, contact the Financial Counselling Hotline on 1800 007 007 for help and assistance. There may be other options available, such as talking to a free and confidential financial counselor to get your finances sorted out.