What can the loan be used for?

• To buy new essential household items such as a washing machine; fridge; freezer, main furniture pieces, dryer, mower, heater etc.
• Medical Items such as an asthma pump, blood pres- sure or blood sugar monitor etc.
• Other worthwhile special items/services in line with NILS® policy and as agreed.
• Only one item is allowed per loan

The loan CAN'T be used for the following:

• General living expenses (eg food, clothing)
• Rent & Loan arrears, payment of debts and fines or Court Judgements
• Any recurring costs (eg. Car repairs, rego, tyres, NRMA, insurance)
• Second hand items (must be new)
• Rental bonds and Agent lease fees
• Repairs to white goods and other domestic appliances
• Cash advances, cheques payable to NILS® borrower, cheques payable to a third party for a private sale