Good Shepherd. Victoria

Ian Potter Foundation.

Hunter Water.

Energy Australia.

Office of Fair Trading.



Q: What can I borrow for?

A: HRNILS lends for fridges, freezers, washing machines, heaters, computers, furniture, televisions, portable air conditioners, medical equipment, prescription eyewear; homeowners are able to borrow for stoves and hot water systems.

Q: How many items can I borrow for?

A: You can purchase multiple items from up to 3 different suppliers; however, you can only borrow up to the set loan limit.

Q: How much can I borrow?

A: We lend up to $1200.

Q: Can I borrow cash?

A: HRNILS lends for items only, not cash, and loan funds are made payable to the supplier.

Q: Can the loan include warranty and delivery?

A: Yes, make sure you have these clearly noted on your quote (download here), along with the energy rating.

Q: What is Centrepay and how does it work?

A: Centrepay is a voluntary and easy payment option available to Centrelink customers. Centrepay can be used to make regular Deductions from your Centrelink payments to pay bills and ongoing expenses like rent, gas, electricity, water, phone, and other household costs. For more information, visit www.humanservices.gov.au/Centrepay.

Q: What is the catch?

A: There is no catch. HRNILS is a community initiative whose aim is to provide fair credit to low income earners to purchase essential living items.

Q: How do you make your money?

A: Our loan funds, administration and wages are kindly paid for in the form of generous sponsorship and grant funding both from corporate and non-corporate sources.