Essentials Loans


  • For the purchase of new items and services
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WHAT CAN I PURCHASE WITH AN ESSENTIALS LOAN?:

Household Essentials like fridges, washers, furniture


Car Care Essentials like registration, tyres and repairs


Education Essentials like computers, school trips, text books and school uniforms

Medical and Dental Essentials like mobility equipment, dentures and treatment costs


Family Violence Support including removal costs and security equipment


Refugee Family Reunion including visa fees and airfares

LOAN AMOUNT:

We lend up to $1,500


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No interest

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No fees or charges

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No credit checks

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No worries!

> How do I apply for a loan?

ENQUIRE NOW
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WE DON'T:

  • Lend money for food, bills, rent or bond
  • Give you cash
  • Lend money for second hand goods
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TO QUALIFY YOU NEED:

  • A current healthcare card, pension card, DVA card, or low income healthcare card. Or have a gross income of $55,000 or less.
  • To live in stable accommodation (exceptions can be made in some cases).
  • Capacity to repay the loan.

"It gives me a sense of being in control of my finances rather than debt controlling me, and that feels so great. It feels good when you pay off a NILS loan and you get the certificate of completion in the mail."

How does NILS work?