On the 5th day of Christmas my no interest loan was approved for urgent car repairs.

Stacey took out her first NILS loan six years ago to urgently fix her unreliable car. She was travelling two hours a day to visit her infant son in hospital for several months.

“My son was born at 13 weeks premature and had heart problems, so he had to stay at the Westmead Hospital, an hour’s drive from where I was living,” Stacey says.

“Having the car fixed meant that I could get to and from the hospital every day.”

Stacey and her three young children also had to relocate suddenly to Sydney to seek medical help during her pregnancy, so she needed to set up a new home from scratch.

A NILS loan through the Hills Community Centre helped to fix Stacey’s car and with other NILS loans she purchased a fridge, beds for her children, a washing machine and dryer.

“It has helped me heaps, I had nothing when I came back to Windsor, now I’m nearly finished my last loan.”

The No Interest Loan Scheme (NILS) provides individuals and families on a low income access to safe, fair and affordable credit. Loans start from $300 up to $1200 for essential goods and services. To find out more, call 13 NILS (13 6457) or www.nils.com.au

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