HUNTER REGION NILS ENQUIRY FORM


Before you begin, please check to make sure you are eligible

To be eligible you must:

  • have a health care card, pension card or

  • earn less than $45,000 a year (after tax), or less than $60,000 a year (after tax) for couples or people with children.

  • have lived in your current or previous residence for at least 3 months.

**Special circumstances may be considered**

HOW TO APPLY FOR YOUR LOAN

STAGE 1: LOAN ENQUIRY

  1. Complete and submit this enquiry form.

  2. Provide your Supporting Documents

You must complete the Loan Enquiry stage before we can begin to create your NILS  Application.
Our role is to help you apply for your NILS loan,
so please don't hesitate to contact us if you need any help.
 

STAGE 2: LOAN APPLICATION PROCESS

  1. Once you complete Stage 1, we will begin to create your application.

  2. We will contact you to arrange a telephone interview.

  3. During your telephone interview, we will help you complete your NILS application, including your personal budget.

  4. Your application will be submitted for assessment.

  5. You will be contacted with the outcome of your application within 24-48hrs after it is submitted for assessment.

  6. If approved, payment will be made on your behalf, and devliery or pick up details can be organised. 

HOW LONG WILL IT TAKE?

In most cases, this will depend on how long it takes you to complete the Loan Enquiry stage, and provide your supporting documents.
We have a limited number of appointments each week, and can only book your telephone interview
after we recieve your information. 

PERSONAL DETAILS

CLIENT 1

CLIENT 2

The following 2 questions are used for reporting purposes and will have no impact on your application.

If you feel uncomfortable in any way, please select 'Prefer not to answer'.

HOUSING TYPE

SECONDARY CONTACT

HUNTER REGION NILS CCeS AUTHORITY FORM

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

Centrelink Confirmation eServices

Do you authorise:

  • Hunter Region No Interest Loans Scheme Inc. (Hunter Region NILS) 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 Hunter Region NILS and Good Shepherd Australia New Zealand.

Do you understand:

  • Services Australia will disclose personal information to Hunter Region NILS 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 Hunter Region NILS unless you withdraw it by contacting Hunter Region NILS or Services Australia.

  • You can get proof of your circumstances/details from the department and provide it to Hunter Region NILS 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 Hunter Region NILS.

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

Do you give your permission for Hunter Region NILS to access your Centrelink details using CCeS?

CLIENT 1

CLIENT 2

CONFIRMATION OF BOARD OR PRIVATE RENT PAID DIRECTLY TO LANDLORD OR HOMEOWNER

Only complete the following section, if you do not pay rent to a real estate agent, 
Hume, Compass, Housing etc. 


Confirmation of boarding payments or private rent paid directly to the landlord or homeowner is usually confirmed with a Statutory Declaration. However, due to COVID-19 these expenses can now be confirmed by completing the following form.

Please include your previous address in the 'Additional Notes' section below:

*Don't forget to include all expenses covered in your current rent or board payment. 

If you are happy for us to confirm your board or rental payments, please provide contact details for your housemate or private landlord below:

Please include any other information to help explain your current housing situation below: 

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 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.

SUPPORTING DOCUMENTS LIST

You must complete Stage 1, and provide the additional information below, before we can move to Stage 2 and begin your NILS application.

  • Proof of ID

  • Quote for the item/s you wish to purchase. Including suppliers name, ABN number, and direct payment details (BSB, Acc & ref No. ) *if your quotes are for car expenses, we will also need a copy of your registration papers, or other proof of ownership.

  • List of bank transactions for the last 90 days for your bank accounts.  

  • Centrelink Income & Asset Statement. *If you would like us to download your Centrelink details for you, please make sure you have completed the CCeS Authority section of this form. 

  • Current Rental Statement or ledger if you pay rent to a real estate agent, FACS, HUME, Compass etc.

  • If you pay board, or private rent directly to the landlord - please make sure you have completed the Confirmation of Board or Private Rent section of this form. 

  • 3 current pay slips, if you are working. 

  • Current electricity and/or gas bill

  • Current phone, internet and/or mobile bills

  • Use Afterpay or similar products? Please send a screenshot of your summary page showing how much you owe.

After you submit your Enqiry form, you will be sent a link to our detailed Supporting Documents file,
which includes some tips that may help you send your documents to us. 

USE ONLINE BANKING?

You can send your bank transactions directly to us using Illion Bank Statements.
This is a safe and secure option; your bank details are only sent to our email address. 

If you would like to use this options, please tick the check box below,
and we will email or text the link to you.


Please don't hestate to contact us if you need any help.