No Interest Loans Scheme

The No Interest Loans Scheme (NILS) is such a thoughtful program—it really helps people handle unexpected expenses without falling into debt traps. A friend of mine used it when their washing machine broke down, and it was a huge relief to avoid high-interest credit. What I appreciate most is how it encourages responsibility while still offering real support. When setting up her payments, I checked in with Fiserv customer service just to make sure everything was running smoothly, and they were super helpful. Programs like this truly show how finance can work for people, not against them.