Kempsey Neighbourhood Centre

No Interest Loans

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No Interest Loans (NILS) provide individuals and families on low incomes with access to safe, fair and affordable credit with no fees or charges applied.

Loans are available up to $1500 – depending on income and circumstances – and no interest is paid on the loan.

HealthCare-Cards;

Am I eligible?

You may be eligible for a NILS Loan if you:

  • Hold a Health Care Card/Pension Car or earn less that $45ooo a year after tax ($60000 for couples or people with dependants)
  • Have lived at your current or previous address for at least 3 months
  • Are able to show that you can afford the loan

 

Car-Repairs;

What can NILS be used for?

  • Household Items
  • Car repairs and registration
  • Medical and dental
  • Technology
  • Furniture
  • Education

 

 

Bills to Pay;

Loans are not available for:

  • Bills
  • Cash
  • Debts
  • Food
  • Rent

 

With Nils there’s no interest, no fees and no charges. You only pay for what you buy.

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Kempsey Neighbourhood Centre is a non-profit organisation dedicated to strengthening our local communities by promoting the principles of social justice and empowering people to enhance their quality of life.