NILS

Website designed by Kylie Hopkins.

Based on the Good Shepherd Model the loan enables applicants on low incomes to purchase essential household items. An essential household item is a service or item which improves the quality of life or enhances social and economic participation for a person who would otherwise not be able to access via fair and equitable means. Loans can be approved for the following items/services:

Fridges
Washing Machines
Freezers
Heaters
Hot Water Systems
Air Conditioners
Lounges
Beds
Computers
Medical Equipment eg nebulizers, blood glucose monitors etc.
Educational resources eg board maker (social story program)

Loans are not approved for:

Bond and rent
Rental arrears
Living expenses such as food
Mechanical repair eg motor vehicles
Gas, telephone and electricity accounts
Cash advances, debt repayments or consolidations

Conditions do apply to loans and there is a limit of $800. No cheque is payable to the applicant and no third party cheques are issued for private sale.

Exceptions: The NILS Loan Committee will look at loans for any other purpose other than stated above if they feel the loan will improve the quality of life of the applicant. All applications will be assessed on this basis.

The criteria for NILS applicants include:

Must live in the Wyong Shire
Must have a pension or health care card
Must have been in home for at least 6 months or have a minimum six month lease

The process begins with registering your interest over the phone. Applicants can apply over by calling the Centre on 4396 1555. Our friendly workers and/or volunteers are happy to clarify the application process which involves the client researching/obtaining quotes for their required item.

Some handy information to consider:

Appliances are required to be energy efficient with a minimum 3 star energy rating.
There may be a waiting list for this program. Applicants will be advised at time of application.
The process of the application from when the enquiry is actioned, to being assessed and if successfully approved and receiving your goods can take time. Your NILS Worker can advise the expected turn around at time of interview.
Payments are made fortnightly over a year through centrepay and are calculated by dividing the total cost of the goods and any other charges like delivery by 26.

Our NILS and Fridge Assist programs are currently being utilised by 325 community members across the Central Coast.

For further information please call the Centre on 4396 1555.

This project is funded by The Department of Fair Trading, Energy Australia & National Australia Bank.