How do I apply for a Loan?

 

Applying for a No Interest Loan is easy, here’s how:

 

  1. Make an enquiry – you can apply now by clicking the link below or call us on 1800 155 884
  2. A letter will be sent to you with a list of documents to gather, including quotes for your item
  3. When you have these documents – please call us and make an appointment
  4. A NILS Loans Officer will then sit with you and help you put your application together
  5. Your application is sent anonymously to our Loans Assessment Committee
  6. If you are approved you will be asked to sign a Loan Agreement and a Centrepay Form to authorise deduction of agreed payments from your Centrelink benefit.
  7. You will be given a receipt of purchase to take to the supplier to purchase your item.

 

 

How much can I borrow?


  • From $100 to $1,200
  • For a maximum term of 18 months

 

What does it cost?

 

  • There are no charges
  • No setup fees
  • NO INTEREST on loans
  • You only repay what you’ve borrowed
  • Our services are free and you can be assured of confidentiality

 

Who can apply?

 

  • People who receive a Centrelink payment
  • Those who are on a low income
  • Those who are willing and able to repay the loan in fortnightly repayments

 

How much can I borrow?

 

  • From $100 to $1,200
  • For a maximum term of 18 months

What does it cost?

 

  • There are no charges
  • No setup fees
  • NO INTEREST on loans
  • You only repay what you’ve borrowed