Need help to buy a new fridge or washing machine?

Or help to register or repair your car?

Do you need new furniture, TV or help with school expenses?

Do you need help to pay for medical expenses or items?

*MAYBE A NILS LOAN CAN HELP YOU!

NILS LOANS ARE:

FAIR, SAFE & AFFORDABLE
NO INTEREST, NO FEES, NO HIDDEN CHARGES

Borrow up to: $2,000

for essential goods & services.

OR

 up to: $3,000

but ONLY for bond or rent in advance paid to a real estate or community housing agency as part of a new lease agreement. 
*the amount you can borrow will depend on your circumstances. 
Check below to see if you are eligible for a NILS loan:

OUR NILS APPLICATIONS WILL CLOSE ON
FRIDAY 13 DECEMBER.

This will allow us to process as many existing applications as we can before our office closes for the Christmas break.

**Our interview spots are limited, and we CANNOT guarantee your application will be completed before Christmas.**

*Please note that BEFORE we proceed with your application, you will need to provide EVERYTHING we need.

 If you are applying, or you have already begun your application, our automatic emails will provide the information you need to apply. If you don’t have an email address, we can send this information to you via text.

You can also use our Cheat Sheet below which provides additional info about what we need, and how to get that info to us. 😊

HRNILS APPLICATION FORM

HRNILS CHEAT SHEET

HUNTER REGION NILS is a not for profit organisation and an accredited member of the NILS Program; governed by Good Shepherd Australia New Zealand (GSANZ), and supported by the Australian Federal and State Governments, and NAB.
Hunter Region NILS is proudly funded by the NSW State Government. 

We provide access to NILS loans for eligible community members
throughout the Hunter Region.

 

What is NILS?

The No Interest Loan Scheme is an alternative line of credit for individuals and families on low income. NILS provides small loans with no fees, interest or charges. Developed by the Good Shepherd Sisters in Victoria in 1981, NILS is now available throughout Australia, and New Zealand through accredited NILS Providers.

How Does NILS Work?

The NILS loans process is based on dignity and respect, and uses ‘circular community credit’. 

This means every repayment made by those who have a NILS loan will be used to help someone else…in this case, maybe You!

If you get a NILS loan, every repayment you make is used to help others.

Am I Eligible?

To be eligible for a NILS loan, you must:

  • Have a Pension or Health Care Card 

  • OR Earn less than $70,000 annual income (before tax) as a single person or $100,000 (before tax) if you have a partner or children.

  • OR Have experienced family or domestic violence in the last 10 years.

  • AND You can show you can afford to repay the loan.

How Do I Apply?

STEP 1: Complete and submit or return our HRNILS Application Form.

We have an online form, and a printable option you can complete by hand. 

    STEP 2: Take the time to read our HRNILS Cheat Sheet.

    A link will be automatically emailed to you when you submit the online form. You can also request it be sent to you by text, or use the links provided below. 

    STEP 3: Send the additional information we need to book your telephone interview.

    Our Cheat Sheet will help you start sending in the info we must have before we can begin to create your application, and our FAQ will let you know why we need more info and can also help you get that info to us. 

    Links or our forms are provided below:

    HRNILS Application Cheat Sheet

      HRNILS Application Process FAQ

      Online HRNILS Application Form

      Printable HRNILS Application Form

      Please remember, we are here to help 🙂

       

      WHAT HAPPENS NEXT?

      When we have all the information we need, we will:

      1. We will book your telephone interview.
      2. During your interview will will help you create your application – including a fortnightly budget, and then submit your application for assessment.
      3. Once we submit your application for assessment, The Loan Assessing team will contact you with the outcome of your application. This will usually happen within 2-3 days after your application has been submitted for assessment. *The time may be quicker but will depend on the number of loans being assessed. 
      4. If approved, payment will be made on your behalf, and delivery or pick up details can be organised.

       

      How long does it take?

      In most cases, this may depend on you!

      Once you have completed and sumbitted your Enquiry form, we will need some additional information before we can book your telephone interview. Remember to read our HRNILS Loan Process Frequently Asked Questions, to make sure we can process your loan as soon as we can.  

      After your loan application is submitted for assessment, you will know the outcome within 2-3 days. It may be quicker but will depend on the number of loans being assessed.    

       

      What can I buy?

      NILS Loan Are Available For:

      • Educational expenses
      • Household appliances
      • Household furniture
      • Health expenses
      • Technology
      • Car related items

      For full list, please click here 

      NILS Loans Cannot Be Used For:

      • Rent
      • Bills or debts
      • Cash or holidays

      For full list, please click here