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 :)

How to Protect Against Scams What is a Phishing Scam?

The ScamWatch website also provides lots of useful information, including:

Types of Scams Stop. Check. Protect. The Little Book of Scams Test your Scam Sense Quiz

If you need help, please visit:
Help if a scam or Identity Theft has affected You
or call the Scams and Identity 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 need additional information to prepare your application and personal budget before we can book your telephone interview.

Including details of your current expenses (such as rent, utilities, and existing debts or loans) allows our Loan Providers to assess whether you can safely repay your NILS loan without causing additional financial stress. This is a major priority of the NILS Program and an essential part of the assessment process.

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 the box

Phone *

Email

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

Send code

Didn't get your verification email? Don't forget to check your junk mail folder :)

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 regarding your rights and your responsibilities:

CLIENT RIGHTS:

Your rights are to:

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.
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 other support services where needed, including financial counselling.
Put NILS repayments on hold or change the amount you repay if you have difficulty repaying the loan.
Be able to apply for another NILS loan once you have successfully repaid your current loan, provided you still meet the eligibility criteria. The amount you can borrow will depend on the maximum allowed for your loan purpose and your ability to afford the repayments.
Give feedback or make a complaint without it affecting whether or not you get help from us.

CLIENT RESPONSIBILITIES:

Your responsibilities include:

Acting in a manner that respects the rights of other clients, staff and volunteers of the organisation.
Abusive behaviour will not be tolerated, including written abuse.
Giving clear and accurate information so your NILS loan application can be assessed.
Letting us know if you would like someone with you during the loan interview or to help with the loan application.
Ensuring all information provided is true and correct, and that no false or misleading information is given at any time.
Making regular payments to repay your loan so someone else in the community can get a loan as you did.
Contacting us if you are having financial difficulty so we can help you manage your loan.
Restarting or resuming your usual regular payments as soon as possible.
Meeting the repayment amounts for the first loan and for any additional borrowings.
Being able to meet the repayments for any new loan you may apply for.
Letting us know if you’re happy or unhappy with our service without being rude or aggressive.

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. :)