NILS

The Northern Rivers No Interest Loan Scheme (NRNILS) provides interest and fee free loans to people on low incomes who live in the Northern Rivers Region from Grafton to Tweed.

The NILS offers a viable alternative for people who face barriers in gaining access to small amounts of credit on fair and reasonable terms for the purchase of basic and essential household goods.

How much can I borrow?

The maximum amount available is $1500

What can I purchase with a NILS loan?

NILS loans can be used to buy essential household items such as fridges and washing machines, essential electrical goods, furniture and approved medical equipment.

NILS will not provide loans for second hand goods, car purchases or repairs, emergency relief, debt repayment, tenancy bonds or general living expenses, e.g. phone, or where other affordable and fair options are available.

How do you know if I am eligible for a NILS loan?

If you answer ‘yes’ to the following questions you are eligible to apply for a No Interest Loan through Northern Rivers Community Gateway:

  • Are you on a low income, e.g. the holder of a health care card?
  • Have you lived in the Northern Rivers post code areas for at least the past six months?
  • Can you repay a loan of up to $1500 in approximately 6 – 12 months?
  • Are you unable to qualify for other affordable finance?
  • Will this loan improve the health and well-being of you or your family?

Call the Northern Rivers Community Gateway on 6621 7397 to book an interview. Complete your application online. Email your completed application and supporting documents to nrnils@nrcg.org.au

NILS outlets (Northern Rivers)

Lismore

Northern Rivers Community Gateway
76 Carrington St, Lismore

Ph: 6621 7397
Fax: 6622 0235

Casino

35 Walker St, Casino

By appointment only, call 6621 7397 for an application form and ask to make an appointment for Casino NILS.

Kyogle

68 Summerland Way Kyogle

By appointment only, call 6621 7397 for an application form and ask to make an appointment for Kyogle NILS.

Grafton

Shop 2-70 Prince St, Grafton (behind Low-Pressure surf shop)

By appointment only, call 6621 7397 for an application form and ask to make an appointment for Grafton NILS.

Murwillumbah

Murwillumbah Community Centre
Nullum St, Murwillumbah

By appointment only, call 6621 7397 for an application form and ask to make an appointment for Murwillumbah NILS.

Community Money

NILS is community credit and prompt and complete repayment of your loan means that NR NILS can lend out the money to other people in your community who are also in need of this service. It also allows you to borrow again for another essential item.