No Interest Loans Scheme
Partnering with the Good Shepherd Australia New Zealand Break the Cycle offers people on low incomes, loans and financial support.. We enable people to take control of their own financial wellbeing and feel in control of their financial lives.
The no interest loans scheme provides individuals and families on low income access to safe, fair and affordable credit. There are no fees, no charges, and no interest.
Loan amounts vary, but credit can start from $300 up to $1500 for essential goods and services. Once your application is approved, repayments are set up at an affordable amount over either a 6 or 12 month period.
Interviews are conducted on Tuesday's , Wednesday's and Thursday's between 9.30am and 3.30pm
WHAT ARE THE LOANS FOR?
Loans are generally available for the purchase of essential goods and services.
These may include:
- Household Appliances : fridges, freezers, washing machines, stoves, clothes dryers, Dish washers, Hot water services, Microwave, TV.
- Furniture : Baby items, Bed/ mattress, Dining Suite, Lounge Suite
- Health; Dental, mobility scooter, vision related, wheelchair, orthotics, professional health procedures and respiratory
- Car Related : Driving Lessons, Registration, CTP Green Slip, Tyres, Car Repairs, Windscreen, and car repairs.
- Repairs : Household Improvements, Equipment, Blinds/Curtains
- Technology : Computers, Mobile Phones, Tablets.
- Outdoor Equipment : BBQ, Lawn Mower, Bicycle.
- Other: Funeral Costs, Relocation Costs, Veterinary Costs.
NILS Loans are NOT available for:
Purchase of Cars
Comprehensive or third party fire and theft insurance
Fines or penalities.
DO I QUALIFY FOR NILS?
To qualify you must:
- Have a Health Care Card/Pension Card or be on a low income
- Reside in your current premises for more than 3 months
- Show a willingness and capacity to repay.
HOW NILS WORKS IN OUR COMMUNITY
NILS is based on trust and the circular community credit model. Every repayment made by current clients is used to lend others in the community..
For more information on NILS please contact the office on 02 9829 8898.
Legal, Financial & Professional Support
We offerg Finanical Counselling this service can help our clients better understand their finanical circumstances to enable options for change and goal settings.
Free Legal Assistance.
We host an outreach service for legal advice to local residents on the fourth Tuesday of the each month between 12pm and 3.30pm by appointment only.
please contact the office on 02 9829 8898
We have a thriving community garden and encourage participation from anyone interested, whether they have experience or not. participants learn together as they plant and manitain a sustainable garden, with this group running on Wednesday's between 9.00am and 12.30pm
Food and Financial Assistance
Our Food and finanical assistance program identifies immediate needs of our clients and asseses the appropriate form of response to help. This can include day to day living needs, food and emotional support. Break the Cycle liaises with local services and agencies and advocates on behalf of our clients for the best possible outcome.
As part of the Food and Finanical assistance we interview clients in crisis, offering food; Electricity and Gas assistance (EAPA vouchers ) , Telstra finanical assistance.
We also have asscess to finanical Counselling.
We interview clients on Tuesday,Wednesday and Thursday betwwen 9.00am and 3.00pm.
Call the office on 98298898 to make an appointment
OPEN Wednesday and Thursday 8:00am-2.30pm
Break the Cycle Men’s shed provides a shared community space for blokes to come together from our community to share their skills, gain knowledge, meet new mates, and build positive relationships as they enjoy working together.
Are you interested in Joining Men’s Shed?
BTCG Men’s Shed offers in the way of skills and equipment in Carpentry, Electrical, Welding, Mechanical, Computing, plus a wealth of life knowledge, friendship and experiences.
If you have never used tools or have limited experience then our members will assist with the skills you require. Our mature member are available to assist and mentor you as you learn new skills and support.
We require participants to observe all Work Health & Saftey rules for the safety of all.
There is an annual membership fee of $20 and $5 per visit which includes drinks and lunch.
We have both metal and wood turning lathes, an array of hand and power tools, stick welding gear and are always on the lookout for more donations.
Do you have something that needs fixing, repairing or building?
Our blokes are always looking for new projects. If you have something that needs to be built or repaired why not contact our mens shed and they would be more than happy to provide a quote. All money raised is put back into the Men’s Shed and Break the Cycle. By supporting our Men’s Shed your supporting our community!
All enquiries 0490911712 Wednesday and Thursday 9:00am - 2pm
Break the Cycle offers an onsite food shop that is available for the community to come and shop at. Offering food and non perishable items at low costs allows those in need or on a tight budget to do more with their money.
What is available?
All items vary week to week with what is available. Each week new stock and produce is available. Some of the items include:
- Fresh fruit and veg
- Meat & Fish
- Milk and Dairy
- Non perishable items
- Tinned food and Bottled Food.
How do I Join?
Simply fill out an application on your first visit to the Pantry.
How much is a usual shop?
For $20 you can select whatever you like from the Pantry to fill your pantry basket. There is a wide selection of pantry items which changes weekly.
How often can you shop.
You can shop at the Pantry once a week.
When is it open?
The Pantry is open Tues – Thur 9.00am - 3:00pm
Our Community Pantry is not-for profit and all monies raised go towards supporting the Pantry. By you supporting the Community Pantry you are giving back to the Community.
Sorted Currently Not Running
Sorted is a holistic life skills course that educates (adults18+) men towards changing the way they see themselves and how they relate to others.
Empower is a holistic course that empowers women to cope with challenging circumstances, and have safer families and build stronger reklationships.
Empower Currently not Running
Empower is a holistic life skills course that educates women ( adults 18+ ) towards changing the way they see themselves and how they relate to others . Our plan is to empower women to cope with challenging circumstances, and have safer families and build stronger relationships and communities.