Blue Mountains NILS

Providing No Interest Loans to the Blue Mountains community


What is NILS?
The No Interest Loans Scheme (NILS) provides interest-free loans for individuals or families on low income. It’s a community-based program that enables people to access fair, safe and equitable credit for the purchase of goods and services.

How does it work?
When a borrower makes a repayment to a NILS program, funds are then available as a loan for someone else in the community. This is called “circular community credit” and is a real demonstration of the community in action.

What are the loans for?
NILS is generally for the purchase of essential household items like a fridge, washing machine, TV, bed or clothes dryer. NILS may also be provided to meet other essential needs like health aids or education costs. NILS is not for emergency relief, bond or rent money, living expenses or debt repayment.

Who is eligible?
NILS has limited funds so you must have a health care card or pension card and/or be of genuinely low income. NILS in the Blue Mountains is run by local neighbourhood centres, who try to provide loans to as many people as possible.

If you are eligible you will need to attend a loan interview. After that your application is assessed by the NILS program.

How much can you borrow?
It varies, but usually between $800 to $1,200 and the repayment period is usually around 12 to 18 months.

Would you like to apply for NILS?

Contact your local neighbourhood centre if you live in the following suburbs:

Lapstone, Blaxland, Blaxland East, Glenbrook, Mt Riverview or Warrimoo, Emu Plains and Emu Heights contact the Lower Mountains Neighbourhood Centre 4739 1164

Springwood, Faulconbridge, Hawkesbury Heights, Sun Valley, Valley Heights or Yellow Rock contact Winmalee Neighbourhood Centre 4754 4050.

Linden, Woodford, Hazelbrook, Lawson, Bullaburra or Wentworth Falls contact the Mid-Mountains Neighbourhood Centre on 4759 2592

Leura, Katoomba, Medlow Bath, Blackheath, Megalong, Shipley, Mt Victoria, Bell, Mt Tomah or Mt Wilson contact Blackheath Area Neighbourhood Centre on 4787 7770.

For information about NILS programs in other parts of NSW contact the free call information number 1800 50 9994 or go to a list of NILS programs in NSW here

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