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