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Once you have made an enquiry the next stage is to submit an application. To do this you can download the forms attached, complete them and then arrange for a loan interview with a Red Shield NILS client support worker or alternative NILS client support from another organisation.

To help you with this please work through the following steps.

Step 1

Loan Enquiry

Before applying for a loan you must have completed the loan enquiry first. This is an important first step as it enables our staff to provide you with information, assist with determining your eligibility to apply for a loan and providing a point of contact for support along the way.

To complete a loan enquiry please contact one of our client support providers.

Step 2

Rights, Responsibilities & Privacy

As a loan applicant you have rights and responsibilities as does Red Shield NILS as a loan Management and Client support provider. Before proceeding with your application it will be helpful to review the Red Shield NILS 'client rights and responsibilities' document as well as the Salvation Army's client rights and responsibilities documents. These can be accessed by clicking the links below.

NILS Rights & Responsibilities

The Salvation Army Client Rights & Responsibilities

The loan application form enables you to provide personal information about you as the applicant. This includes your name, date of birth, address and other important identifying details. Red Shield NILS has responsibilities in collecting and handling this information throughout the application and loan management stages. To find out more about this please click on the link below to download and preview the privacy statement.

Privacy Statement

Step 3

Checklist & Loan application form

Download the document checklist and loan application form by clicking on the links below.

Document Checklist

The checklist provides you with the list of supporting documents that will be needed to complete your loan application. Not all of the documents will be required however there are some compulsary documents that assist with assessment of loan applications.

Cumpulsary documents include:

  • Proof of identity (eg. centrlink card, drivers liscence, proof of age card)
  • A detailed statement from Centrelink with deductions listed
  • Pay slips for casual, part time & full time work (if applicable
  • Your most recent bank statements covering the last three full months of transactions
  • A copy of your rental agreement and rent ledger indicating payments made and any current debt
  • A copy of your most recent electricity and/or gas bill
  • Telephone and/or mobile phone accounts
  • Recent statements from Credit card, department store cards an accounts
  • Statements for any other loans (eg. personal loans, pay day lenders, rent to buy agreements etc.)

You will need to provide copies of these when attending your loan interview in person or provide clear scanned coppies if unable to attend an interview and needing to complete the application from a remote location.

Step 4

Income and Expenditure

The income and expenditure form... or 'I & E' is one of the most important documents in the loan application process. It combines the income you recieve and the estimate of your expenses in a format that determines if loan repayments are affordable for you. Please ensure that you enter all the income sources that you are aware of and please also be as honest as you can be about where you spend your income. You can access a template for preparing your Income and Expenditure as part of an application by clicking on the link below:

Budget Assessment Form

Once you have completed the I & E, you may find that your current income and expenditure does leave you with an amount of money left over (a surplus). With a surplus you can feel confident that you have capacity to manage repayment of the loan. (please note that this does not automatically gaurantee the loan will be approved).

However if you find that after crunching all of these numbers that you dont have any money left over (a deficit) then this will be an important matter to discuss with a client support worker. Living on a low income is a challenge for many individuals and families and it may be that some additional support to review your budget could be helpful, and in some cases, a referral to a financial counsellor may be of benifit to assist with managing or consoldating debt or some advice on managing your budget.

The Salvation Army currently operates a financial counselling helpling which can be contacted for advice and support on finance matters. You can contact the helpline on the details below:

1800 025 539

Helpline Website

All Done


If all of the above is complete then you are ready to attend your loan interview in person with a Red Shield NILS client support worker or client support worker of your choice. If you are unsure of who to contact to arrange the loan interview please contact our loan management team