The Kogarah Storehouse offers a range of support services for people in need.
Payment Assistance – electricity, gas, water
No Interest Loans Scheme (N.I.L.S.)

Payment Assistance – electricity, gas, water.

Helps people experiencing a short term financial crisis or emergency to pay their electricity, water or gas bill.
An appointment is necessary to access this service. Please contact 9587 5761 or TEXT 0476 868 283.
You will be informed about what papers you must bring with you to the appointment.
Help is available once in six months.
NOTE: Before contacting us to make an appointment for an EAPA assessment, please contact your electricity, water or gas supplier to find out what payment plans, and other assistance might be available. You may be able to agree on a payment plan with your supplier to suit your financial situation.


UPDATE: We regret to inform you that this service will not be available until July 2024. We apologize for any inconvenience this may cause. For alternative options, please contact Services NSW at 11 77 88. Thank you for your understanding.

NILS No Interest Loan Scheme


Loans up to $2000 for essential goods & services

No Interest Loans Scheme (NILS)

The Storehouse offers No Interest Loans with customised repayments based on individual income and circumstances. Appointments are necessary for this personalised service.

How much can I borrow?

Borrow up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support your wellbeing.
Borrow up to $3000 for housing related expenses such as bond or rent in advance, or for recovery from a natural disaster.

Who can apply?

To be eligible for NILS you need to:
  • Have a Health Care / Pension Card
  • or earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children.
  • or have experienced family or domestic violence in the last 10 years.
  • and demonstrate a willingness and capacity to repay the loan.

What can NILS loan be used for?

Borrow up to $2000 for essential goods and services including:
  • Household items like appliances, whitegoods & furniture
  • Car repairs & registration
  • Medical, dental, wellbeing and life event expenses
  • Technology like a phone or laptop
  • Education expenses like fees or uniforms
  • Employment expenses like licenses or equipment
Borrow up to $3,000 for:
  • Bond & rent in advance.
  • Rates
  • Costs associated with a natural disaster.
For more details, please contact our NILS officer at 0412 503 218
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