NILS® Loan Purposes

NILS loans provide people living on low incomes with the opportunity to purchase significant or essential new household items, or a service, that improves their quality of life, or enhances social and economic participation, where they would otherwise not be able to access fair and affordable credit.

this item requires the client to be the homeowner or car owner.

** this item is for clients experiencing family violence.

*** this item is for clients who cannot pay by small instalments or access other financial support.

Education:

  • Course fees and materials
  • Music related
  • School Uniforms
  • School Camp

Household Appliances:

  • Air conditioner
  • Clothes dryer
  • Dishwasher
  • Entertainment
  • Freezer
  • Fridge
  • Heater
  • Hot water service*
  • Microwave
  • Stove/oven*
  • Television
  • Vacuum cleaner
  • Washing machine
  • Water tank/pump*

Household furniture:

  • Baby item
  • Bed/mattress
  • Dining suite
  • Lounge suite

 Health

  • Dental
  • Mobility scooter
  • Orthotics/prosthetics
  • Professional health procedure
  • Respiratory
  • Vision related
  • Wheelchair
Technology

  • Computer
  • Computer accessories
  • Mobile phone
  • Tablet

Economic Participation

  • Equipment and Tools

Outdoor Equipment

  • Barbeque
  • Bicycle
  • Lawnmower

Repairs

  • Blinds/Curtains
  • Equipment
  • Household improvement
  • Household repair*

Car Related

  • Driving lesson/test
  • Registration*
  • Tyres*
  • Windscreen*
  • Insurance excess*

Other

  • Funeral costs
  • Relocation costs**
  • Veterinary costs
  • Council rates***

Additional items and services may also be considered.

 

NILS Loans are NOT available for:

  • Bond
  • Rent expenses
  • Rental arrears
  • Electricity, gas, or phone bills
  • Living expense such as food
  • Debt repayment and consolidation
  • Purchase of cars
  • Clothing (with the exception of school uniforms)
  • Comprehensive or third party fire and theft insurance
  • Fines or penalties
  • Cash advances
  • Cheques payable to the loan recipient
  • Lay-bys