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