To be eligible you must:
have a health care card, pension card OR
earn less than $57,000 a year (after tax) if single, OR
less than $75,000 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**
STEP 1: Complete and submit this enquiry form.
STEP 2: Provide additonal information to help us create your application.
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.
Please include your previous address in the 'Additional Notes' section below:
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:
Before you submit your application, please take some time to read the information provided below:
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.
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.
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