Encircle runs a No Interest Loans Scheme for people on low incomes in partnership with Foresters Group. The loans are for one essential item or service to a maximum of $1200.
Please note that loans cannot be issued for bond and rent money arrears, bills, living expenses such as food, petrol, gas, electricity, car repairs, car registration, telephone bills, layby, cash advances, debt repayments and consolidation, second hand items or purchase of vehicles. Payments to a third party for a private sale also cannot be approved under the NILS program.
For more information on eligibility and how to apply for an Encircle No Interest Loan please download an information pack here.
NILS providers outside of our locality can be located here. Step Up Loans to a value of $3000 can also be obtained from other providers. More information on Step Up Loans can be found here.
NILS is available to community members on a low income who are not experiencing financial hardship. If you are in financial hardship, please contact Encircle on 3889 0063 to explore other ways we may be able to assist you.