• Borrow up to $2000 for essentials such as appliances or furniture, car repairs, a new computer or laptop, medical, dental or vet expenses.
• Borrow up to $3000 for bond on a new rental property or for recovery from a natural disaster.

• Household items like appliances, whitegoods & furniture
• Car repairs
• Medical, dental, wellbeing and life event expenses
•  Technology like a computer or laptop (up to $2000 limit)
• Technology like a phone, tablet and other small electronic devices (up to $1000 limit)
• Education expenses like fees or uniforms
• Employment expenses like licenses or equipment

Borrow up to $3,000:

• Bond on a new rental property
• Costs associated with a natural disaster

NILs cannot be used for cash, bills, rent or debts.

• have a Health Care or Pension Card OR
• earn less than $70,000 (before tax) as a single OR
• earn less than $100,000 (before tax) if you have a partner or dependents OR
• have experienced family or domestic violence in last 10 years

AND you have lived at your current address for a minimum of three months AND  you can afford to repay the loan