NILS CLIENT RIGHTS & RESPONSIBILITIES
NILS is based on trust and the circular community credit model. Every repayment made by current clients is used to lend to others in the community.
Before you submit your application, please take some time to read the information provided below:
CLIENT RIGHTS
- Be treated fairly and with respect regardless of your personal circumstances and beliefs.
- Be told if you can apply for a loan and how to do so.
- Know and agree to what happens to the information we keep about you and your financial situation.
- Give feedback or make a complaint without it affecting whether or not you get help from us.
- If available, access an interpreter, advocate, or other support person to assist with the NILS application.
- Receive a loan without fees, charges or interest if your application is approved.
- Be informed about the loan decision making process.
- Be referred to financial counselling if you need to.
- Put NILS repayments on hold or change the amount you repay if you get into difficulties repaying the loan.
- Restart loan repayments if you stop.
- Be able to apply additional lending once you've met the 90 days (3 months) no missed repayment criteria (up to a total of the higher limit of the combined loan purposes if you can afford it).
- Be able to apply for another NILS loan (up to a total of the higher limit of the loan purpose if you can afford it) if you are eligible once you’ve successfully repaid your current loan.
CLIENT RESPONSIBILITIES
- Act in a manner that respects the rights of other clients, staff and volunteers of the organisation.
- Give clear information to assess the loan.
- Make sure the information you give us is accurate.
- Let us know if you’re happy or unhappy with our service without being rude or aggressive.
- Tell us if you would like someone with you during the loan interview or to help with the loan application.
- Make regular payments and pay the loan back so that someone else in the community can get a loan like you did.
- Ensure all information provided is true and correct, and that no false or misleading information is given at any time.
- Tell us if you have any financial difficulties now.
- Tell us if you have any financial difficulties in the future. Restart payments as soon as possible.
- Make regular payments when you restart, tell us if you have any financial difficulties in the future.
- Meet the repayment amounts for the first loan and for any additional borrowings.
- Be able to meet the repayments for the new loan.
A LIST OF THE ADDITIONAL DOCUMENTS WE NEED WILL BE AUTOMATICALLY EMAILED TO YOU WHEN YOU SUBMIT YOUR FORM