Just over a year ago, Delia was faced with a dilemma. She had damaged her car, and had been quoted over €600 to fix it. Postponing the repairs wasn’t an option as she needed transport for school runs. But she didn’t have the money to meet such a large expense, and felt she had nowhere to turn.
Delia says getting the loan from NILS was a lifeline, and the process was very straightforward and stress-free.
“I brought in ID and details of my income and what I was paying out. I wasn’t working at the time so I paid back €10 a week, and then when I got a part-time job I upgraded from €10 to €20 a week.”
Delia had cleared this loan by March of this year. However, shortly after that she had another stoke of bad luck; her car was damaged in an accident, and she was left with another substantial repair bill.
“I had to pay €400 and the insurance company was paying the rest. My last loan had been cleared, so I rang Helen and asked about another loan, and it was no problem. They dealt directly with the company where I was getting my car fixed, and I’m now paying back €20 a week again.
“I had thought down the line I might need them again, but I didn’t think it would be so soon,” adds Delia.
If the loans had not been available under NILS, she says she would have been tempted to turn to a loan shark, as there were no other options available to her.