On the 2nd day of Christmas my no interest loan was approved for a bed and some sheets.

A few years ago, Ray didn’t have so much to look forward to. When he first moved from Queensland to Bendigo he found resettling tough.

“At the time I was on the Disability Support Program which is hard to budget on and does not leave a lot of room for larger expenses like a fridge or other household needs.”

After successfully applying for a No Interest Loan Scheme (NILS) loan through Bendigo Family and Services, Ray was able to buy a bed, sheets and a doona. “I felt like I was given a fair go. I was relieved that I could now go out and get the items.”

For Ray, accessing the NILS loan was a step toward financial inclusion and independence. “I was very relieved that I could get these items and then pay them off at an amount I could comfortably afford. The repayments left me with enough money to live on.”

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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Our hearts and thoughts go out to everyone impacted directly or indirectly by the coronavirus pandemic.

Good Shepherd will continue to provide No Interest Loans (NILS) to people in our community who need this support. We are revising our financial hardship policy and will keep you updated. For assistance, please contact your nearest NILS provider or Good Money store.