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
- Miscellaneous
To apply online, click here
Education & Employment
- Technology
- 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
- Housing repair
- Hot water/tank/pump
- Relocation costs
- Advance rent & bond* (new lease agreement only)
- Rates*
*you can borrow up to $3,000
To apply online, click here
NILS Loans are NOT available for:
- Rent
- Rental arrears
- Electricity, gas, or phone bills
- Living expense such as food
- Debt repayment and consolidation
- Clothing (with the exception of school uniforms or work clothing)
- Comprehensive or third party fire and theft insurance
- Fines or penalties
- Cash advances
- Cheques payable to the loan recipient
- Lay-bys
- Outbound international air fares