Women's Health Goulburn North East
Women's Health Goulburn North East

57 Rowan Street, Wangaratta, 3677
Tel 03 5722 3009 | Fax 03 5722 3020
Email whealth@whealth.com.au

Organisation     Publications     Training     Current Work     Health Contacts     History     Contact Us     Home

No Interest Loans (NILS)

PDF FileDownload NILS brochure
File Size 3MB

PDF FileRural Women’s Experiences of No Interest Loan Scheme (NILS) in North East Victoria
File Size 3MB

Since 2007, WHGNE has written 300 loans for over $400,000. Women have used these loans for the purchase of whitegoods, furniture, vehicle repairs, educational and medical costs (including breast prosthesis and cataract operations). NILS is community credit. As an applicant pays back a loan, that money becomes available to other women in the community.

Are you eligible?

Any woman who has a health care or pension card and has lived at their current address in the Hume region for more than 3 months or have experienced domestic violence in the past 12 months, may be eligible for a NILS Loan for up to $1200.

Or if you are living in the Central Highlands and have experienced domestic violence in the past twelve months please contact Alison at WRISC on 0353 333 666 or alisonc@wrisc.org.au

For more information and to check your eligibility please ring 03 5722 3009-Ext 2 and talk to Karen.


Print out and complete:

NOW post, fax or email all the documents to WHGNE

Just wanted to say thank you for all your help.
Sometimes it’s very reassuring to be able to talk to a kind person.
NILS offers really practical help, and has made a great difference to our family.”
Mother of 3 children

Postal Post your documents to PO Box 853 Wangaratta Vic 3676
Fax Fax your documents to 03 5722 3020
Email Email your documents to k.oconnor@whealth.com.au

We will then contact you to discuss your application


I am currently a third time user of NILS and am happy with the advantage it gives me. It’s good to know that when I need any goods or services for the home I can apply with a minimum of fuss. It enabled me to get the things that break down that I couldn’t afford to pay up front for. Not having to pay interest is a bonus plus the fortnightly repayments are manageable on my pension, it’s a great service and it has meant a lot to me.”
Age pensioner

NILS is MORE than just a loan

It is a vital tool for early intervention and financial capacity building for women experiencing social and economic disadvantage. Not only do women have the opportunity to purchase goods or services that they would otherwise be unable to afford, but they also have the opportunity to look closely at their bank statements and debts with the assistance of the NILS project worker.

Read More…


NILS Application Documents

PDF File Applications Form for NILS - Applicant to complete these details
Size 35KB

PDF FileRights and Responsibilities of the applicant - Needs to be read and signed by the applicant
Size 171KB

PDF FilePrivacy Policy Brochure - Needs to be read and confirm receipt of this document by signing Rights and Responsibilities Form above.
Size 229KB

PDF FileInterview Check List - Includes list of all documents required for application - please check this list carefully
Size 353KB

PDF FileBudget Form - To be completed by the applicant-(if needing assistance please call 03 5722 3009 and talk to the WHGNE NILS worker).
Size 221KB

PDF FileBudget Declaration - Read and signed by the applicant once the Budget Form is completed.
Size 216KB

PDF FileInformation Release – To be completed by applicant if another agency has referred applicant to the NILS program and is assisting the applicant to apply for the loan
Size 209KB