Cockatoo and Hills NILS provides loans to people in the local community and is also a loan management centre for other client support programs across south-eastern Melbourne.

The purpose of NILS is to provide people, who are on low incomes, with flexible and affordable credit to replace essential household goods or other necessities. There are no fees, interest or any other charges applicable. Credit history is not taken into account, instead the main criteria is the ability to manage the repayments.

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.

Cockatoo and Hills NILS is managed by ECHO Youth and Family Services, funded by Good Shepherd Australia New Zealand and the capital for the loans is provided by the National Australia Bank.