NILS® Loan Purposes
Below is a detailed list of the items and services you can purchase with a NILS loan.
* this item requires the client to be the homeowner or car owner.
** only possible if payments by small instalments or access to other financial support is not available.
*** loans are only possible if all other options are unavailable.
Education:
- Course fees and materials
- Music related
- School Uniforms
- School Camp & Excursions
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 items
- Bed/mattress
- Dining suite
- Lounge suite
Health
- Dental
- Mobility scooter
- Orthotics/prosthetics
- Professional health procedure
- Respiratory
- Vision related
- Wheelchair
To apply online, click here
Technology
- Computer
- Computer accessories
- Mobile phone
- Tablet
Economic Participation
- Equipment and Tools
Outdoor Equipment
- BBQ
- Bicycle
- Lawnmower
Repairs
- Blinds/Curtains
- Equipment
- Household improvement
- Household repair*
Car Related
- Driving lesson/test
- Registration*
- CTP Insurance (Green slip)*
- Tyres*
- Windscreen*
- Car repairs*
- Insurance excess*
Other
- Funeral costs
- Relocation costs
- Veterinary costs
- Water and Cartage
- Removal costs
- Storage fees – but only removal fee (no ongoing costs)
- Council rates**
- Bond***
Additional items and services may also be considered.
To apply online, click here
NILS Loans are NOT available for:
- 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
- Outbound international air fares