NILS Car Loan Victoria provides a unique opportunity for individuals who may struggle to access traditional financing options. The program is designed to help low-income Victorians purchase a reliable, second-hand car, essential for employment, education, or family needs. NILS car loans offer zero interest, meaning borrowers only pay back the principal amount over a set term. With no hidden fees or charges, the scheme provides affordable and fair financing. To qualify, applicants must meet specific eligibility criteria, including income limits and financial hardship. NILS aims to improve mobility and access to essential services.