On the 10th day of Christmas my no interest loan was approved for an energy efficient fridge and washing machine.

For Robert, everything changed after a relationship breakup. He had previously always had a place to live, good health, and was never out of work. But after his circumstances changed he found himself without any possessions, money or a place to live.

Robert finally moved into semi-permanent housing, but couldn’t afford essential appliances such as a fridge.

He heard of NILS through Good Money Collingwood at the perfect moment, and couldn’t believe that the loan had no fees, charges or interest.

With NILS workers supporting him to find the best price appliances, Robert furnished his house with a new fridge and washing machine within the $1200 loan limit.

“As soon as I got the fridge and washing machine, the apartment felt like home. I don't know where else I could have got these things from,” he says.

Now back on his feet, Robert is making fortnightly repayments for the next twelve months at an affordable rate.

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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