Considering Options When Life Throws A Curve Ball

Sometimes life can throw us a few unexpected curve balls. There are times that we all will
need help from other people, even if that is just trying to work out the best way forward for our situation. Some people find asking for help difficult, especially if they are generally good at juggling what come their way. Over the past few years Coffs Harbour Neighbourhood Centre has supported a huge range people from all walks of life, all backgrounds, all ages and all situations. Sometimes people find themselves in situations through no fault of their own. Sometimes our environment around us changes and it isn’t always something that is immediately within our control. Those unexpected things, most of us won’t have a plan for or at time the experience in navigating support systems.

Asking for help can be one of the best ways to overcome a variety of problems. Coffs Harbour Neighbourhood Centre is one of those places many people pop into whether for just checking where to go or what services are available for their situation.

Being willing to ask for help often shows strength and courage and can make finding what might help you much less frustrating. Having financial stress is a common triggers for anxiety and depression. It’s important to find out what your options are.

Many families, especially with the increased cost of local rentals, large or unexpected costs such as car rego, medical or dental costs, the washing machine breaking down can put strain on the family budget. For times when people find it difficult to meet costs that come up, services such as No Interest Loan Scheme (NILS), which is located within Coffs Harbour Neighbourhood Centre can be an amazing option.

The No-Interest Loans Scheme (NILS) provides people on low incomes with access to safe, fair and affordable credit. NILS loans may be provided for amounts up to $1,500 for certain expenses. The huge benefits are there are no fees, no charges, no interest and no credit checks. While there are some eligibility options, this may be an option for you. Long term is likely to be a much better option than reaching for a credit card or other loan option.

As well as offering a way to pay for essential household items, these affordable loans may help you to establish a repayment record to assist in future financial situations.

Anne, who operates NILS has helped hundreds of families over many years. If you would like to find out more about NILS please call Anna on 0408674050 or visit

Our Vision

Our vision is an inclusive community where all people are valued and connected. We strive to provide a stable foundation from which strong community programs and services can flourish.

Contact Us

The Community Village, 22 Earl Street, Coffs Harbour NSW 2450

Phone: (02) 6648 3694

Acknowledgement of Country

Coffs Harbour Neighbourhood Centre acknowledges the traditional custodians of this land, the Gumbaynggirr people and pays respect to their Elders, past and present.

Acknowledgement of country

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