Being a not-for-profit entity, WA NILS has a responsibility to ensure individuals who receive a loan do not incur the additional cost of interest and associated charges, whilst ensuring that money loaned to those same individuals is able to be repaid. To fulfil this responsibility we require that certain criteria are met.

WA NILS strives to ensure that loans are provided to low income households. To achieve this goal an eligibility check is conducted by our member agents as part of the loans approval process.

If you do not have a Health Care Card click here for more information about the current Centrelink guidelines to see if you qualify.

More information about what you can get a loan for and your eligibility can be found in the under