NILS® Loan Purposes
Below is a detailed list of the items and services you can purchase with a NILS loan.
Household Essentials
- Whitegoods
- Furniture
- Comsumer electrontics
- Small appliances
- Outdoor & garden
- Delivery & shipping costs
Health & Wellbeing
- Dental
- Mobility devices & support
- Medical
- Professional health procedure
- Allied health costs
- Vision related
- Pets
- Life events, funeral costs.
- Allied Health Costs
- Miscellaneous
To apply online, click here
Education & Employment
- Technology
- *Mobile phone/Tablet (Loan limit $1,000).
- Course & Certification fees
- Learning materials
- Uniform, work clothes & PPE
- School activities
- Work equipment & tools
- Fees – licenses permits, applications
- Delivery & shipping costs
Vehicle & Transport
- Repair & maintenance
- Vehicle registration*
- Insurance excess
- Driving lesson & test
- Bicycle
*Loans for car registration must not exceed the registration term (6 or 12 mths).
Housing
- House repair
- Hot water/tank/pump
To apply online, click here
NILS Loans are NOT available for:
- Cash Payments
- Living Expenses (such as food, rent)
- Utilities (gas, electricity, phone)
- Removalist or storage fees.
- Second-hand/refurbished baby furniture, and electrical goods (except for mobility scooters).
- Debt repayment and consolidation
- Clothing (except for school uniforms or work clothing)
- Comprehensive or third-party/fire/theft insurance
- Fines or penalties
- Outbound international air fares