NILS Enquiry Form

HOW TO APPLY FOR YOUR LOAN

  • Completing this form is the First Step in obtaining your NILS loan.
  • You will also need to complete the Second Step and send your additional supporting documents before we can book your telephone interview.
  • Step 3: we will use your application and your supporting documents to help you complete your application during your telephone interview.
  • Step 4: your application is then submitted to a NILS Loan Provider for assessment.
  • Step 5: the Loan Provider will contact you within 24-48 hours with the outcome.
  • The Final Step: if your loan is approved, payment is made to the supplier on your behalf. 

HOW LONG WILL IT TAKE?

This can depend on how long it takes you to send through your supporting documents, and the number of applications we have to process.
We have a limited number of interviews each week; and we can only book your interview after we receive all your documents.
(the first and second steps above) 

To get your loan as soon as possible, make sure you send all correct supporting documents thru. 

STEP ONE

Enquiry completed by person



Add the details of a Secondary contact



Toukley Neighbourhood Centre NILS Centrelink Confirmation eServices (CCeS) Authority

If you would like us to download your Centrelink Statement for you, please carefully read and complete the following section.

Do you authorise:

  • Toukley Neighbourhood Centre No Interest Loans Scheme Inc. to use Centrelink Confirmation eServices to perform a Centrelink enquiry of your customer details in order to enable the business to determine if you qualify for a NILS service.
  • Services Australia to provide the results of that enquiry to Toukley Neighbourhood Centre and Good Shepherd Australia New Zealand.

Do you understand:

  • Services Australia will disclose personal information to Toukley Neighbourhood Centre including your name, payment type, payment status, one off payment, income, assets, deductions, shared care arrangements and Youth Allowance Independent Rate to confirm your eligibility for relevant NILS service.
  • this consent, once given, remains valid while you are a customer of Toukley Neighbourhood Centre unless you withdraw it by contacting Toukley Neighbourhood Centre or Services Australia.
  • You can get proof of your circumstances/details from the department and provide it to Toukley Neighbourhood Centre so that your eligibility for relevant NILS service can be determined.
  • if you withdraw your consent or do not alternatively provide proof of your circumstances/details you may not be eligible for the NILS service provided by Toukley Neighbourhood Centre.

If you have any questions, please contact us before completing the following:


CONFIRMATION OF BOARD OR PRIVATE RENT

Please complete this section if you pay board, or private rent (not to a real estate agent).

Don't forget to 'tick' all expenses covered in your board or private rental payment

Enter your free text here

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

STEP TWO

IMPORTANT – PLEASE MAKE SURE YOU HAVE  ALL THE FOLLOWING DOCUMENTATION

Documents to be emailed to nils@tnc.org.au

  • Photo id, Centrelink card and Medicare card
  • Latest detailed Centrelink statement showing breakdown of any deductions 
  • 90 day transaction bank statement (can not be more than 2 weeks old) 
  • Rental ledger showing address and amount paid
  • If boarding or homeless a stat dec needs to be done 
  • Electricity, Gas, water, telephone bills unless paying from Centrelink or bank 
  • If working last 4 payslips 
  • Proof of any other income you may receive including Child support payments
  • Afterpay statements if any. 
  • If you have any other loans please provide statements 
  • Completed budget form
  • Quote from a reputable/registered provider with an ABN number. Payment details for the supplier must be printed on Quotes/invoice including BSB, Account Name and Account number.
  • If applying for CTP or car repairs rego papers are needed, Car must be registered in NSW 



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