FAQ
Q: What can I borrow for?A: Global Care Dubbo NILS lends for fridges, freezers, washing machines, heaters, registration and medical items (with supporting letter from a recognised Health Professional), homeowners are able to borrow for stoves and hot water systems.
Q: How many items can I borrow for?
A: One to two items at a time. Once your loan is repaid, you are welcome to apply for other items.
Q: How much can I borrow?
A: We lend up to $1200.
Q: Can I borrow cash?
A: Global Care Dubbo NILS 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 free direct bill-paying service offered to customers receiving payments from Centrelink. Your Global Care NILS loan can be repaid by having a regular amount deducted from your Centrelink payment.
Q: What is the catch?
A: There is no catch. Global Care NILS 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.