The scheme offers low income consumers with access to credit, without the burden of high interest charges. 

Anglicare Western NSW was presented with $26,531 of additional funding and Dubbo's Riverside Church was allocated $66,327. 

NSW Fair Trading Minister Matthew Mason-Cox said he was very pleased to present both community organisations with the additional funding.

"This funding boost will allow these community centres to continue their important work in supporting families who are doing it tough," Mr Mason-Cox said. 

"Under the NILS program, interest-free loans of up to $1,200 are allocated to low income earners."

Member for Dubbo Troy Grant also welcomed the additional funding and said it was an excellent program which allowed families were struggling financially to get ahead. 

"This program supports local families and residents who may otherwise be excluded from access to financial services which many of us take for granted," Mr Grant said. 

"It demonstrates how effective government, community and private sector collaboration can be in improving social inclusion."

Anglicare Western NSW financial services manager Evelyn Trainor said the funding would very beneficial to the service. 

"Access to essential household or medical goods and services can be the difference between families experiencing stability and success or catapulting into crisis," Mrs Trainor said. 

"Whitegoods can make all the difference for people stuck in poverty traps."

"Our research shows people are going hungry when they can't afford to repair or replace appliances like a fridge or stove top, an issue directly attributed to food insecurity," Mrs Trainor said. 

The NILS funding is part of the NSW Government's $2.3 million that it has committed to providing for the state-wide NILS program.

NILS works in partnership with Good Shepherd Microfinance and the National Australia Bank. 

Between January and June this year, the NILS program has issued a total of 96 loans across western NSW.