How do I apply?
Applying for a loan is easy, here’s how:
- Simply call us on 02 6882 2975
- We will arrange an Interview and Application for you
- Your application is sent to our Loans Committee
- Your application is either approved or not approved
- If you are approved, you will be given a Loan Agreement
- Then purchase of Goods and Services from our approved suppliers
- You make regular repayments
- The process starts again with a new client
Click here for a diagram of the NILS® Loan process
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
Who can apply?
- People who receive a Centrelink payment
- Those who are on a low income
- Those who can afford to repay the loan in fortnightly payments
How do I apply?
- To discuss your loan application, call our office weekdays on (02) 6882 2975
- If you fit the basic eligibility criteria, we will send you an application form and arrange an interview
- Our services are free and you can be assured of confidentiality
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