7-9 Summerside Street, Toukley
No interest loans (NILs)
No interest, no fees, no charges, ever
How much can I borrow? What can I use a NILs loan for?
Borrow up to $2000 for essential goods and services including:
- Household items like appliances, whitegoods & furniture
- Car repairs & registration
- Medical and dental expenses
- Technology like a phone or laptop
- Employment expenses like licenses or equipment
- Rental bonds, but only after you have submitted a Rentstart Bond Loan through Family & Community Services (click here).
No Interest Loans cannot be used to purchase cars or motorcycles. Good Shepherd offers another product called No Interest Loans for Vehicles and you can find more information on this here.
NILs in NOT a Cash Loan, we pay direct to the supplier.
What do I need to apply?
When you apply, you’ll need to provide
- 100 points of ID (such as a driver’s license, passport, Medicare card, Centrelink card
- Details about your financial situation (bank statements and/or banking details, payslips and/or current Centrelink statement, plus an estimate of your regular expenses)
- Information on existing debts (such as buy now pay later, payday loans or rent-to-buy)
- A quote or invoice that shows: the date, a description of the item/service, the supplier’s details (business name, ABN, address, phone or email), banking or payment details, and the payment amount with delivery included.
When applying for a No Interest Loan up to $2000, there are NO credit checks. We’ll look at your income and expenses, the total loan amount, and your repayment timeframe (up to 24 months), and work with you to see if the loan is affordable. We don’t judge you on your history.
Toukley Neighbourhood Limited NILS Services
Due to limited capacity, Toukley Neighbourhood Centre is currently unable to process NILS applications directly. Our NILS phone line and email inbox will continue to be monitored. We will address all enquiries and refer them to the appropriate provider to support your needs.
However, you can still access NILS support through the following accredited providers:
1. Hunter Region NILS (HRNILS)
- Email: info@hrnils.org.au
- Website: www.hrnils.org.au
- Online Enquiry Form: https://hrnils.snapforms.com.au/form/nils-online-enquiry-form
2. Parks Community Network
- Phone: (02) 9609 7400
- Email: nils@parkscommunity.org.au
- Website: www.parkscommunity.org.au
3. Manning Support Services (MSS)
- Phone: (02) 6551 1800, option 3
- Email: nils@mssinc.org.au
- Website: https://mssinc.org.au/no-interest-loan/enquire-now/
Thank you for your patience and understanding as we work to resume full NILS service capacity.
Toukley Neighbourhood Centre Team
Be careful of online scams. We won’t ask for your login details or passwords for any site, including MyGov. If you think you’ve been scammed, visit Scamwatch at www.scamwatch.com.au for help.
