HRNILS ENQUIRY FORM

The No Interest Loans Scheme (NILS) provides safe, fair and affordable loans to those on lower income. If you would like to apply please complete this form, and follow the instructions provided. Once we receive your form, and your additional documents, we can begin to create your application, and contact you to book a telephone interview.

PLEASE BE AWARE OF SCAMS

As a Provider of the No Interest Loan Scheme (NILS), we will never ask for your login details or passwords for any site, including MyGov.

For more information, click on the video links below.
They are short (under two minutes), easy to understand, and well worth a look :)

Identifying & Reporting Scams
How to Protect Against Scams
What is a Phishing Scam?

If you need help, please use the link below
Help if a Scam or Identity Theft has affected You
or call the Scams and Identity Theft Helpdesk on 1800 941 123 Mon – Fri, 8am – 5pm.

Are You Eligible for a NILS loan?

To be eligible, you must:

have a health care or pension card
OR
earn less than $70,000 a year (before tax) if single
OR
less than $100,000 a year (before tax) for couples or people with dependents
OR
have experienced Family and Domestic Violence in the last 10 years,
AND
have lived in your current address for a minimum of three months,
AND
You can afford to repay the loan.*

**IMPORTANT NOTE**

After you submit this form, we'll need more information to move forward. This extra info helps us prepare your application and start creating your personal budget for your telephone interview.

A key focus of the NILS program is ensuring you have the capacity to repay your NILS loan without any added financial stress.

That's why it's important for your application to show you are managing your current expenses, like rent or board, electricity (if it's your responsibility), and any other loan or debt repayments you may have. This will help the Loan Assessors to approve your loan.

If you would like to apply, lets get started.....

Date

How would you prefer to be contacted? *

PhoneText (SMS)Email

Please select the type of contact you would prefer.

How did you find out about NILS? *

Please provide details

What would you like to purchase? *

PERSONAL DETAILS

First Name *

Last Name *

Date of Birth *

CRN *If you don't have a Centrelink Customer Number, please type 'NA' in box

Phone *

Email

Please verify your email address. This will ensure we can send you any additional information you may need. *

Send code

ADDRESS:

Street address

City

State

Postcode

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'.

Do you identify as Australian Indigenous? *

Please select from the list

Do you identify as having a disability *

Please select from the list

HOUSING

Housing type *

Please provide details

Time at current address? *

Previous Address *

Street address *

City *

State *

Postcode *

Time at previous address?

If you have spent less than 3 months at both your current and previous address , please provide details below

Are you applying with someone else as a Joint Loan Application?
If so, please tick the box to include their details.

CLIENT 2: JOINT LOAN APPLICATION

First Name *

Last Name *

Date of Birth *

CRN

Phone

Email

Do you have a separate address? *

YESNO

CLIENT 2 ADDRESS: *

Street address *

City *

State *

Postcode *

Time at current address? *

Time at previous address? *

If you have spent less than 3 months at both your current and previous address, please provide some additional information below:

ALTERNATIVE CONTACT

First Name *

Last Name *

Phone *

Relationship *

CONFIRMATION OF BOARD OR PRIVATE RENT

Please complete this form if you pay board, or private rent (not to a real estate agent).

I

currently live at

I have lived at this address for

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

My current board/rental payment is:

per

Don't forget to 'tick' all expenses covered in your board or private rental 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:

First Name

Last Name

Phone

Email

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

Additional Notes:

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 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.

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 any additional borrowings.
Be able to meet the repayments for the new loan.

HRNILS ENQUIRY FORM

Are You Eligible for a NILS loan?

If you would like to apply, lets get started.....

PERSONAL DETAILS

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

ALTERNATIVE CONTACT

CONFIRMATION OF BOARD OR PRIVATE RENT

Please complete this form if you pay board, or private rent (not to a real estate agent).

Don't forget to 'tick' all expenses covered in your board or private rental payment

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.

Please remember, your additional info is 'necessary', and we 'can't' start to create your application without it. :)