Financial Services

The Community Centre offers a range of financial services including financial counselling, budget counselling, and a No Interest Loans Scheme.

No Interest Loans Scheme ( N.I.L.S. )

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What is NILS?

The Byron Community No Interest Loans Scheme (NILS) provides interest free loans for members of the Byron Shire community on low incomes. It is a community programme, based on a static pool of money. No interest loans are directed at purchasing essential items such as fridges and washing machines.

How does it work?
When a borrower makes a repayment to Byron Community NILS, funds are then available for someone else in the community to borrow. This is called circular credit.

You must have lived in the Byron Shire for at least 6 months to be eligible.

Press the followng for more information on NILS.
Download an Application Form, or drop by the Community Centre and collect an Application Form.
Applications can only be returned in person to a NILS officer, during our hours of operation:
  • Mondays            10.00am – 12.30pm
  • Tuesdays           1.00pm – 4.00pm
  • Wednesdays       10.00am – 1.00pm
  • Thursday           10.00am – 1.00pm
  • Fridays            10.00am – 12.30pm.
Once you have paid off your NILS loan, speak to us about AddsUp and StepUp loans.
See a video on the NILS Scheme!
If you are interested in learning more about budget planning, no interest loans, debt management etc., the following link might be useful for you:

Financial Counselling

Financial Counselling is a free service that offers support to anyone who is having money problems, in particular with debts.

This service helps you understand your rights, look at your options and offers support when you decide what to do.

Financial Counselling can help with:

  • your rights regarding debt and debt collection
  • assessing your financial situation and your options
  • bankruptcy
  • how to talk to the people that claim you owe them money
  • credit laws and practices
  • talking to your creditors directly with your authorisation
Appointments available Mondays from 10am -1pm, please call 6622 2171

Money Matters

Money Matters is a free and confidential service to help you work out where your money is going, how to save and how to get on top of your bills. Available on the last Friday of the month by appointment through reception on 02 6685 6807.