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)

How does NILs work?   

There are times in life, despite how hard you try to keep on top of things, when unexpected expenses pop up.  Washing machine has broken down?  Unexpected car repairs?  NILs will pay the cost of these essential goods and services straight to the vendor.  Loans can not be used for cash, bills or debts. You must have the unpaid quote/invoice to be eligible.

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 $2,000 for essential goods and services including:

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

The loans are interest free, there are no fees, and repayments are arranged over 24 months.

To be eligible for NILS you need to:

  • have a health care card/pension card or:
  • show that you're able to repay the loan in the allotted time period,
  • Earn less than $70,000 gross annual income as a single or $100,000 gross annual income as a couple or people with dependants

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

No Interest Loans (NILs) for vehicles

Borrow up to $5000 for vehicles linked to day-to-day use including:

  • car
  • motorcycle
  • scooter
  • mobility scooter
  • first year registration & stamp duty

Find out if your eligible and start your application today

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 Renee
  • email:
  • drop in to the Centre
  • or download a copy here 


The Centre can also do NILS loans via the phone with documents emailed 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 .


No Interest Loan Scheme for Vehicles

What is NILS for Vehicles?

Help to buy a vehicle interest free.

NILS for Vehicles is a fee free, interest free loan of $2000 to $5000 that can be paid off over up to 48 months with simple fortnightly repayments. NILS for Vehicles is a variation the existing NILS program. 

NILS for vehicles isn’t a bank loan, it is a circular community credit model. This means when a borrower makes a repayment the funds are then made available to another community member.

NILS for Vehicles has the same eligibility criteria as ordinary NILS loans. The main difference is the requirement for a credit check during the application. 

You can apply for a NILS for Vehicles loan today if you:

  1. Have lived at your previous or current home for 3 months or more. (This can be waived in exceptional circumstances, please contact us to discuss.)

  2. Have a current Healthcare Card or Pensioner Concession Card or are a low income earner (earn $45,000 or under after tax for singles; or $60,000 or under after tax for couples or people with dependants).

  3. Have a willingness and capacity to repay the loan in small fortnightly repayments.

You will require documentation to verify the above.

If you have an existing NILS loan (ordinary or for a Vehicle), at least 50% will need to be paid prior to applying for another loan (either NILS or NILS for Vehicles depending on what loan you already have). The maximum amount you can borrow is $5000. For example if you owe $500 on a NILS loan you will only be eligible to borrow up to $4500 for a NILS for Vehicles loan.

For your closest provider ring Winmalee Neighbourhood Centres NILS State Referral Service on:

1800 509994


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

Transport Assistance-Great Community Transport

Great Community Transport provides flexible small group transport to eligible disadvantaged people living in the Blue Mountains and Penrith local government area. Trips include transport to local shopping centres, other outings and medical appointments. Great Community Transport are located in the Blue Mountains and Penrith.

Blue Mountains
31 Hay Street, Lawson NSW 2783 - (02) 4759 2403

99 Cox Ave, Kingswood NSW 2750 – (02) 4722 3083

Target Audience
Those amongst the aged population as well as people with disabilities and their carers who can’t drive, use public transport or don’t have anyone else to help with their transport requests.

Call for an assessment to determine eligibility.

Hours of Operation
Mon-Fri 8:30am-4:00pm

Local Areas
Blue Mountains, Penrith

Postal Address
PO Box 124, Lawson NSW 2783

My Age Care

My Aged Care is a website and contact centre established by the Australian Government to help people navigate the aged care system. My Aged Care helps people find government-funded aged care services for older people in the community. My Aged Care provides information about:

  • Assessment criteria and eligibility for services
  • Costs of your aged care services
  • Different types of aged care services
  • How My Aged Care understands aged care needs and help them find local services

My Aged Care provides a number of services helping older people stay in their own home when transitioning from hospital, when attempting to find a residential aged care home or for carers searching for respite care.

Eligibility criteria to access services are available through the My Aged Care portal.


Hours of Operation
Mon-Fri 8:00am-8:00pm Sat 10:00am-2:00pm

Call 1800 200 422

Disability Advocacy

Valley Heights Office

42 Great Western Highway, Valley Heights NSW 2777



Call (02) 4708 3047

Wentworth Young People's Program-Flourish Australia

The Wentworth Young People's Program provides medium-term residential supported accommodation and psychosocial rehabilitation service for young men aged 17-25 years who have a diagnosis of mental illness. These young men are case managed by a clinical case manager with support being provided in their recovery to help them gain skills to live independently in the communty. People in this program are assisted to develop social skills, daily living activities (such as cooking and budgeting) and participate in recreational, educational and vocational activities.


41 Brumby Cres, Emu Plains NSW 2750

Target Audience

Young men with mental illness


Aged between 16-24, referrals from Sydney but priority goes to those in the Nepean Blue Mountains Region. They must have a mental illness and agree to work regularly with a case manager. They must be earning an income, whether this is from Centrelink or otherwise.


Participants pay 65% of their Centrelink income to go towards boarding.

Hours of Operation

Mon-Fri 8:00am-10:00pm Sat & Sun 12:00pm-8:00pm

Local Areas

Penrith, Hawkesbury, Blue Mountains, Lithgow


Referrals from mental health hospitals and mental health services in the Nepean Blue Mountains region.

Call (02) 9393 9357

Financial support for individuals and households

Follow the link:

Private rental support – Rent Choice

Rent Choice is a private rental subsidy that helps eligible clients with rental payments for up to 3 years.

Rent Choice products include:

Road tolls

Sydney Harbour Bridge and Tunnel toll notices

Customers experiencing financial hardship due to COVID-19 can contact the toll recovery team to discuss options including:

  • temporary suspension of payment
  • scheduling of a payment plan to repay toll notices.

Call (02) 9354 5144 or email