Providing individuals and families on low incomes access to safe, fair and affordable credit.

*No Fees *No Interest *No Charges

 What can NILS Loans be used for? 

NILS loans may be used to purchase essential household items and services including:

  • CTP, Car Repairs, Driving lessons (up to 15 lessons from a professional driving school)

  • Furniture, White goods such as fridges and washing machines

  • Medical equipment

  • Dental, Orthodontics, Optical

  • Computers, Laptops, Mobile Phones, Sporting Equipment, Musical Instruments

  • Home Repairs, Veterinary Fees

  • and More

 How much can I borrow, and what will the repayments be? 

  • You can borrow from $800 to $1,500 

  • The term of the loan is usually 12-18 months

  • Repayments from $20 per fortnight which can be deducted from your Centrelink benefit

 Who is eligible for NILS? 

To be eligble for a NILS® you must:

  • Provide evidence of your income and or Centerlink Payment

  • Be able to provide proof of residence such as a lease agreement, rent receipts or Council Rates Notice

  • Show a willingness and capacity to repay the loan

  How do I apply for a NILS Loan? 

  • Contact us (details below) to discuss your needs and to check your eligibility 

  • We will then arrange for an face to face or over the phone loan application appointment

  • During the appointment we will need to sight your paperwork and complete the loan application - this may take up to 1.5 hours

  • Payment will be made directly to the provider of the goods or services to be purchased 

  NILS Loans cannot be used for...  

NILS loans are not available for:

  • Bond or Rent or Rent in Arrears

  • General living expenses such as food

  • Gas, Electricity or Telephone bills

  • Cash Advances

  • Debt repayment or Consolidation

For more information on NILS Loans, please contact us or you can view and download the PDF here >



 Call us or send an Email 

Phone:  Mid Mountains Neighbourhood Centre

           9 New Street, Lawson NSW 2783

           02 47 592 592 


 or:     Lower Mountains Neighbourhood Centre

           33 Hope Street, Blaxland NSW 2774

           02 4739 1164

           Monday to Friday 9am to 4pm





 Submit an Enquiry Online  


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