Cockatoo is the most disadvantaged postcode in Cardinia Shire on all measures. Cockatoo & Hills NILS is the largest in the metro region in terms of both numbers of loans, dollars lent and participants.

NILS helps families and individuals who are financially struggling to develop a saving plan, secure a no interest loan for household goods and car repairs and escape the debt trap of payday loans and other credit providers. For more information on how to apply please click here.

nils_logoNILS is auspiced by Echo Youth and Family Services, funded by Good Shepherd Microfinance and the capital for the loans is provided by the National Australia Bank.