Eligibility Criteria

·         have a Health Care Card / Pension Card

·         OR earn less than $70,000 (before tax) as a single

·         OR earn less than $100,000 (before tax) if you have a partner or dependents

·         OR have experienced family or domestic violence in the last 10 years

·         AND you have lived at your current address for a minimum of three months

·         AND you can show that you can repay the loan

What do we lend for?

·         Household items eg White goods, furniture or appliances

·         Bonds for a new rental property

·         Veterinarian costs

·         Car registration/repairs, CTP greenslip

·         Educational essentials eg fees and uniforms

·         Medical, dental, well-being and life expenses

·         Technology eg phones, laptops, ipads and other small electronic devices ($1000 limit)

·         Costs associated with a natural disaster

·         Employment expenses eg licenses or equipment

What is not eligible for a NILS loan?

·         General living expenses

·         Rent arrears

·         Payment of debts and other bills

·         Second hand furniture or goods

·         Fines (including court and RMS)

·         Cash

Please note that this is a guideline subject to the lending criteria of each scheme per their funding limits.