Only people identified as living on low incomes are eligible to access NILS. This is limited to people receiving income support from Centrelink and anyone who holds a Centrelink Health Care Card or Pension Card.

Geographical Boundaries and Residential Requirement
a) Centrecorp Foundation NILS operates for aboriginal people of Central Australia, specifically those residing in the Alice Springs and Barkly Regions defined by the following postcodes; 0852, 0860, 0861, 0862, 0870, 0871, 0872.
b) To access Centrecorp Foundation NILS, applicants must reside within the defined boundaries of the scheme and have lived at their current address for a minimum of three months.

Willingness and Capacity to Repay Loan
Applicants must be able to demonstrate a willingness and capacity to repay a loan and this is an essential part of the assessment process for a Centrecorp Foundation NILS loan.

Applications from Staff/Volunteers:
Staff members or volunteers working in the Centrecorp Foundation are permitted to apply for a NILS loan if they meet the eligibility criteria as stipulated above. These applicants must not be involved in the loan administration and assessment process.

There are no age restrictions prohibiting applications. People under the age of eighteen, for example, are entitled to apply for a NILS loan if they are receiving income support from Centrelink and meet the normal eligibility criteria.