Contact Us


Winmalee Neighbourhood Centre Inc.

62 White Cross Road


Phone: 02 4754 4050


Opening hours:

Monday to Thursday

8:30am – 4:00pm


8:30am – 1:30pm

Online Enquiry

* Required fields

No Interest Loan Scheme (NILS)-A smarter way to high interest 'fast cash’ options

About NILS – a short history

NILS is an interest free loan scheme initiated by Good Shepherd Youth and Family Service in Victoria. NILS is designed to assist low income and disadvantaged people access credit without the burden of interest charges or hidden fees.

NILS was introduced to the Blue Mountains by the Winmalee Neighbourhood Centre in 1998 and is now available throughout the Blue Mountains  in four locations. The Centre also assists with loans in the Hawkesbury local government area.

The Centre is funded through Fair Trading to provide the 1800 NILS State referral service where those interested in a loan can ring to find out where their nearest NILS loan office is in NSW. Fair Trading also provide funding for the NILS Loan Officer.

To initiate the NILS service the Centre originally gained funding through the following:

  • Private donations
  • The Mercy Foundation
  • The Ian Potter Foundation
  • Sydney Water
  • Blue Mountains City Council
  • National Australia Bank (NAB)

Who is eligible to access a loan from Winmalee NILS?

The No Interest Loans Scheme (NILS) offers people on low incomes, safe and affordable access to credit.

The scheme provides up to $1500 for essential goods and services including:

  • household items such as:
  • furniture and whitegoods (stoves, fridges, washing machines)
  • educational necessities such as computers and textbooks
  • some medical and dental  services
  • car repairs
  • other items on request.

The loans are interest free, there are no fees, and repayments are arranged over 12 to 18 months.

To be eligible for NILS you need to:

  • have a health care card/pension card or earn less than $45,000 a year (after tax)
  • have lived in your current premises for more than 3 months
  • show that you're able to repay the loan in the allotted time period.

Note: NILS cannot be used for cash, rent arrears, holidays, bills or debt consolidation.
The loan funds are paid to the store or service provider.

How can I apply for a loan at Winmalee or another outlet?

To receive a loan information pack contact us via -

  • phone on 02 4754 4050 and speak with Melissa
  • email:
  • drop in to the Centre
  • or download a copy here 

 NILS OUTREACH-Bligh Park, Oberon & Catholic Care

The Centre can also do NILS loans via the phone with documents either emailed or faxed to the Centre.

We also provide outreach in Hawkesbury. The NILS officer will meet with the applicant at an identified office site. 

For people coming for a loan via train we can meet with them in Springwood-Catholic care 3/163 Macquarie Road Springwood on Mondays or Tuesdays, phone 47544050 for more information.

NSW NILS 1800 Free call Service on 1800 509 994

Financial Counselling

Salvation Army Financial Counselling is available at Winmalee Neighbourhood Centre. It provides free, independent and confidential face-to-face counselling in a friendly and informal environment. If you are in financial stress, or would like to manage your money more effectively, ring Winmalee Neighbourhood Centre to find out more.

Affordable Counselling

The Centre refers people to a local psychologist in Springwood (Debbie Deasy) who, if the person presents with a doctors referral form can claim a Medicare rebate.

Winmalee Community Food Cupboard

The Centre at present operates a food cupboard which has a limited supply of shelf products available for fortnightly access by low income residents or those holding a concession benefit card. Coles Winmalee provide fresh fruit, vegetables and bread to the Centre on Monday, Wednesday and Friday each week via the Secondbite Program.

To download a weekly PDF of the items available, visit the Winmalee Community Food Cupboard section on this site's home page. 

Work Development Orders-now at Winmalee

Work and Development Orders (WDOs) are a way to help people who can't pay their fines. WDOs allow customers to clear their fines through unpaid work, courses and treatment programs with approved WDO sponsors. WDOs can help clients get their driver licence back and make a fresh start.

The WDO scheme delivers real change and community benefit.

The WDO scheme helps people who:

  • have a mental illness
  • have an intellectual disability or cognitive impairment
  • have a serious addiction to drugs, alcohol or volatile substances
  • are homeless
  • are in acute economic hardship.

Winmalee Neighbourhood Centre is now a WDO sponsor. Through our suite of emergency relief support programs that assist the community we hope this will alleviate some of the ongoing financial issues many face. The circumstances and needs of disadvantaged families and individuals in the community are a priority issue for the Centre as we have seen extreme economic and social changes which have placed many families under severe economic and emotional stress. These changes are contributing to an increase in poverty and inequality amongst many families and individuals.

 If you have a fine that you cannot pay and meet the following categories phone the Centre for an appointment .


Appliance replacement offer-ask when booking your NILS appointment

Reducing your energy bills can be as simple as using appliances with high star ratings.

The appliance replacement offer makes it easier for you to upgrade your old fridge or television to a new, more efficient model. 

For eligible residents of NSW, discounts on new energy efficient fridges and televisions.

When you replace your old, inefficient model, you can receive:

  • 40% off the cost of a fridge
  • 50% off the cost of a television

The offer applies to selected fridge and television models. 

Fridges and televisions have been chosen for this offer because significant energy savings can be made by replacing old, inefficient models.

The amount you can save on your energy bill varies. On average:

  • Replacing an old, inefficient fridge can save between $100 and $200 per year on your energy bills.
  • Replacing a plasma or cathode ray tube (CRT) television with an LCD television can save between $50 and $125 per year on your energy bills

To replace your fridge, your current fridge must be at least ten years old.

To replace your television, you must own a plasma or cathode ray tube (CRT) television.

To receive this offer you must be a NSW resident and hold one of the following:

  • Pensioner Concession Card
  • Health Care Card or Low Income Health Care Card from Centrelink
  • Veterans' Affairs Gold Card

A Commonwealth Seniors Health Card is not sufficient eligibility for this offer. You will need to hold one of the above cards.

If you do not meet the criteria above, you may be able to access the offer through a participating community service organisation. 


Additional Savings-Cost of Living

Service NSW makes it easier to find government information and services. To see what savings you can make go to:

Below are just a few savings you can make:

Helps you compare electricity and gas plans and switch providers

Helps families receiving the Family Tax Benefit with their electricity costs.

Concession card holders may be able to save on a new fridge or television

Helps concession card holders with their gas costs.

Helps concession card holders with their electricity costs

Pensioners may be able to save on their water bill