Approved Loan Items

WA NILS Loans can only be used to purchase essential household items and some service. The list of items can include:

Fridges, washing machines, household furniture
Solar panels, water tanks, insulation (home owners only)
Gophers, mobility scooters, walking frames
Dental work, car repairs, medical equipment, glasses
School excursions or uniforms

You can view the list of items by clicking HERE

This is not a complete list of items that our loans are granted for so if the item you need is not listed here, please contact us on 9263 2199 to discuss your needs.

WA NILS Loans can’t be used for:

Utility bills (Gas, Electricity, Water)
Rent arrears or debts
General Expenses such as food and clothing
Paying off unpaid bills or debts

No Interest Loans

WA NILS are here to keep you moving forward and are a real alternative to payday lenders and rental companies.

Low Interest Loans

StepUP Loans are a low interest loan for people who have difficulty accessing credit from a bank.

AddsUP Savings Plan

We’ll show you how to save $500 and receive another $500 just for being a great saver

Affordable Insurance

We can provide you with information to access affordable car and contents insurance only available to people on low incomes.