NILS Information and Application Form

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ELIGIBILITY

To be eligible you must :

- Earn less than $70,000 (single person) or $100,000 (if you have a partner or children) annual income before tax OR

- Have a Health Care or Pension card OR

- Have experienced family or domestic voilence in the past 10 years

AND also

- Can show that you are able to afford to repay the loan

* If in doubt please text 0451 573 872 , call 02 9639 8620 or email nils@hca.org.au to confirm eligibility

If you are eligible and would like to proceed with loan application please:

Complete and submit this application form.
Provide ALL Supporting Documents (use Bank Statement link below if possible)

Once we have received all of your documents we will call you to process your application. If approved all payments will be made directly to the supplier and repayments will begin from your Centrelink payments (or bank account if you are not receiving Centrelink). You will only repay the amount that you borrow.

Please contact us if you have any queries : text 0451 573 872, call 02 9639 8620 or email nils@hca.org.au

Loan Requirements

What will the loan be used for? Suppliers paid directly. STRICTLY NO CASH LOANS. *

Loan amount (max $2000 depending on affordability) *

How did you hear about NILs? *

Have you been impacted by Family/Domestic Violence?

Personal Details

First Name *

Last Name *

Street Number/Name *

Suburb *

Post Code *

Phone Number *

Email Address

Date of Birth *

Gender *

Partner's Name

Partner's Date of Birth

Partner's Phone

Demographic Information

Country of Birth *

Primary Language *

Aboriginal or Torres Strait Islander *

Disability *

Housing Type *

Time at Current Address *

Household *

Number of Dependants *

Visa Category (if applicable)

Date First Arrived in Australia (Please answer if not born in Australia)

Income/Employment

Source of Income *

Centrelink Payment Type eg JobSeeker

Centrelink Reference Number

Employment *

Income Amount (Fortnightly) *

Education *

Secondary Contact Information (not partner)

First Name *

Surname *

Relationship *

Phone *

Email

Required Documents

Proof of identity (Pension Card, License or Proof of Age card, Passport, Medicare, Utility bill - need 100 points of ID for first time clients)
Recent Centrelink INCOME Statement (also include partner's if applicable)
Pay slips (also include partner's if applicable)
Recent 90 days bank transactions (NO MORE THAN 2 WEEKS OLD ) - see Online Banking link below - SCREEN SHOTS NOT ACCEPTED
Quote for goods or service with payment details
Rent Ledger
Recent Utility Bills
We may also require the following if regular payments can not be identified from bank statement/Centrelink Income Statement: proof of other commitments eg loans, credit cards

USE ONLINE BANKING?

You can send your bank transactions directly to us using Illion Bank Statements.
This is a safe and secure option; your bank details are only sent to our email address.
Please use this link below if you would like your bank statement emailed directly to us
https://scv.bankstatements.com.au/NILS-HICA

Other comments or information

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NILS Rights and 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 for a second NILS loan once you’ve repaid 50% of your current loan if you are eligible (up to a combined total of $1500 if you can afford it).
Be able to apply for another NILS loan (up to a total of $1,500 if you can afford it) if you are eligible once you’ve paid your current loan back.

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 the second loan.
Be able to meet the repayments for the new loan.