When Sarah first heard about the No Interest Loan System (NILS), it was as if a huge weight had lifted off her shoulders.
It was coming up to Christmas last year, and she had been having trouble with the fridge and the shower in her home. But the last straw came when her oven broke and needed to be replaced. Such unexpected expenses can be hard to manage at the best of times, but in the run-up to Christmas they can really add to financial strain. Sarah wasn’t sure what to do, but then she heard about NILS.
“I wasn’t working at the time and I was thinking, how am I going to get this fixed? I hadn’t the money to do it,” she explains.
“I was telling Maureen [from Adapt House] about what was happening, and she mentioned NILS to me. I filled out the application form straight away, and then met Bernadette who asked me a few questions, and that was it. My application was put through the board, and they got back to me in a week or so.