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Fair Finance

No Interest Loans a no-brainer

In regional communities, having a strong support network or staying in touch with family and friends is an essential part of belonging and feeling connected.

Erica, a young Aboriginal woman and a devoted single mother to her young son, recently had her sister move a small distance from her, and needed reliable transport to be able to visit, as well as get her son to childcare. She was worried about having to rely on lifts from people, or walking great distances to reach her destination. Bus fares were expensive and difficult to maintain on her low income.

Erica’s plan was to get her car back on the road but she needed funds to make it happen. After speaking with her Aunty Bella about the No Interest Loans Scheme (NILS) she had heard about, Erica made her move.
Erica made the call straight away and recognised the name of her local BaptistCare HopeStreet NILS Client Coordinator in Grafton, Keira Ellingwood, from her school days.

Unlike other members of her family and the broader community on low incomes, Erica never considered looking anywhere else for the finance to register her car.

“Once I learnt about NILS I knew that’s what I wanted to do. My Dad, he goes for loans with extra fees and interest. I tell him that he needs to get onto the NILS. I am telling everyone about NILS loans! It’s a no-brainer!”