NILS Important Information

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 for a second NILS loan once you’ve repaid 50% of your current loan if you are eligible (up to a combined total of $1500 if you can afford it).
• Be able to apply for another NILS loan (up to a total of $1,500 if you can afford it) if you are eligible once you’ve paid your current loan back.

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 the second loan.
• Be able to meet the repayments for the new loan.