Mount Isa Mount Isa No Interest Loan No Interest Loan

Scheme Scheme

Free, Fair and Safe CreditFree, Fair and Safe Credit

for People on Lowfor People on Low IncomesIncomes

Mount Isa Family Support Service Mount Isa Family Support Service

& Neighbourhood Centre Inc.& Neighbourhood Centre Inc.

PO Box 48PO Box 48 14A Hilary Street14A Hilary Street

Mount Isa Qld 4825Mount Isa Qld 4825

Tel: (07) 4743 4506Tel: (07) 4743 4506 Fax: (07) 4743 4760Fax: (07) 4743 4760

Email: Manager@mifssnc.com.auEmail: Manager@mifssnc.com.au

Open 9am Open 9am -- 5pm, Monday to Thursday, 5pm, Monday to Thursday, and 9am and 9am -- 3pm on Friday.3pm on Friday.

“Providing support for everyone in “Providing support for everyone in our Community”our Community”

Funded by the Department of Communities, Child Safety and Disability Services

Original artwork © Barbara Sam 2013

How does it work?How does it work?

NILS uses credit provided by NAB. As each person pays back their loan, money be-comes available to lend out to someone else. If we all pay back our loan, we are helping our friends, neighbours, family and even ourselves to get another loan!

Our PartnersOur Partners We provide free, fair and safe credit with help from Good Shepherd Microfinance, National Australia Bank, and the Australian Government Department of Families, Housing, Community Services and Indige-nous Affairs.

What you can expect from What you can expect from usus

We will respect your culture and

lifestyle. We will keep your information

confidential. We will give you more help with

budgeting and saving money if you want it.

We will support you if you have

trouble paying back your loan, as long as you let us know what’s going on.

We will be flexible about how you

pay back your loan, eg by Centre-pay, payroll deduction, or direct debit from your bank account.

What happens when you What happens when you applyapply

1. You need to let us know you’re

after a loan. 2. We’ll tell you all the papers you

need to bring to your interview. 3. At your interview, we’ll do a

budget with you and fill out an application form.

4. Your application will go to a

committee to decide whether you’re willing and able to pay back the loan.

5. We’ll let you know whether the

loan was approved. 6. Then you can come in and sign

papers and pick up your cheque.

No Interest Loan Scheme No Interest Loan Scheme (NILS)(NILS)

Mount Isa NILS helps people on low incomes to buy new: Electrical goods, like fridges and

washing machines Furniture, like beds and lounge

or dining suites Gardening gear like mowers and

whipper-snippers Outdoor goods like barbecues

and trampolines or swing sets Baby gear like cots, prams and car

seats We can also help with some medical and educational expenses, and limited vehicle registration and repairs. All of this is without paying for any interest or service fees.