How To Apply for NILS

Bellingen Neighbourhood Centre No Interest Loan Scheme

We provide low income earners with flexible and affordable credit in order to purchase household appliances and furniture, technology, outdoor equipment, repairs, car related items including driving lessons, as well as costs associated with education, health, economic participation, funeral expenses, vet bills and relocation costs.

Loans are now available for up to $1,500 free of interest, charges and fees (to purchase multiple items). Terms can be up to one year and repayments will be recycled to provide loans for other people in the community.

Am I Eligible?

You are eligible for a loan if :

  • you have a Pension or Health Care Card
  • you are in receipt of a low income $45000 after tax for an individual or in receipt of a Centrelink benefit.
  • have lived at  your current address for 3 months.
  • you can show the capacity to repay your loan.

How Do I Apply?

    1. Download the NILs information kit here  which outlines loan purpose, eligibility, loan process and required documentation. Then download the NILs Loan Enquiry Form here. Or pick up both forms from the following places:
      1. Bellingen: Bellingen Neighbourhood Centre, Brad Pearce Dentist, Bellingen Library, Tursa, Chess
      2. Dorrigo: Dorrigo RSL, Dorrigo Library, Dorrigo Health and Well Being Centre  ETC
      3. Urunga: Urunga Neighbourhood Centre, Urunga Library, Community Care Options


    1. Complete the Loan Enquiry Form, then either:
      1. Leave it at Bellingen Neighbourhood Centre
      2. Fax it there on 02 6655 2262 or
      3. Email to


    1. A NILS Officer will then phone you to assess your eligibility and to arrange an interview appointment time.


    1. Obtain the required documents.


    1. Attend an interview with the Loans Officer.


  1. Your loan application is submitted to a NILS Loan Provider for approval.

How long will it take to process my application ?

Once you have attended the loan interview and supplied all the necessary documentation to support your loan application it will be submitted to a loan provider for approval.

Once submitted the process should take between 2-4 days.

If your loan application is incomplete this will delay the process so it is important that you have all the documents if you are having trouble getting a particular document or have a question about the information you need to provide do net hesitate to ask for help.

What am I eligible for?

Click on the headers below to see if you are eligable or to download a full list of eligible items click here.

  • Course fee
  • Course material
  • Music related
  • School Uniform
  • School camp
  • Other (specify purpose)
  • Air conditioner
  • Clothes dryer
  • Dishwasher
  • Entertainment
  • Freezer
  • Fridge
  • Heater
  • Hot water service*
  • Microwave
  • Stove/oven*
  • Fridge
  • Heater
  • Hot water service*
  • Microwave Stove/oven*
  • Baby item
  • Bed/mattress
  • Dining table
  • Lounge suite
  • Other (specify purpose)
  • Dental
  • Mobility scooter
  • Orthotics/Prosthetics
  • Professional health procedure
  • Respiratory Vision related
  • Wheelchair
  • Other (specify purpose)
  • Computer
  • Computer accessories
  • Mobile phone
  • Tablet
  • Other (specify purpose)
  • Equipment and tools
  • Other (specify purpose)
  • Barbeque
  • Bicycle
  • Lawnmower
  • Other (specify purpose)
  • Blinds/curtains
  • Equipment
  • Household improvement
  • Household repair*
  • Other (specify purpose)
  • Driving lesson/test
  • Registration*
  • Repairs/maintenance*
  • Tyres*
  • Windscreen*
  • Insurance excess*
  • Other (specify purpose)
  • Funeral cost
  • Relocation cost**
  • Veterinary cost
  • Other (specify purpose)

* You must be the owner to be eligable

What are loans are not available for: