Contact Us
  • About our No Interest Loans
  • What can I use this loan for?
  • Find your nearest Provider
  • Am I eligible?
  • How to Apply
  • NILs Translated Information
  • What our Clients are saying

About our No Interest Loans

We provide No Interest Loans (NILs) for individuals and families on low incomes with access to safe, fair and affordable credit.
Loans are available for essential goods and services such as fridges, washing machines, car repairs and medical procedures for up to $1,500. Repayments are set at an affordable amount over 12 to 18 months.

NILs is offered by 170 local community organisations in over 600 locations across Australia. Chances are there’ll be a local NILS provider near you or one who can help over the phone.

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What can I use this loan for?

No Interest Loans are for the purchase of essential goods and services. Loans cannot be used to pay for food, rent, bills, cash or debts.
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Repair a car

Our No Interest Loan can be used for car repairs.

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To pay for medical or dental expenses

Our No Interest Loan can be used to pay for dental and medical expenses.

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To pay for education essentials

Our No Interest Loan can be used to pay for education essentials like laptops and books.

Household items fridge

Household items and essentials

Our No Interest Loan can be used to buy household items like fridges and washing machines.

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Other items as requested

Our No Interest Loans can also be used for other items or services, such as household furniture and repairs.

Find your nearest Provider

No Interest Loans are offered by 170 local community organisations in over 600 locations. Chances are there’ll be a provider near you who can help over the phone.

Am I eligible?

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You are eligible if:

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You have a Health Care Card / Pension Card or earn less than $45,000 a year after tax ($60,000 for couples or people with dependants).
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You have lived at your my current or previous address for at least 3 months.
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You can show that you have the capacity to repay the loan.

NILs Isn't a payday loan and it's not a bank loan

NILs works through a process called ‘circular community credit’. This means when a borrower makes a repayment to NILs, the funds are then available to someone else in the community. It is worth considering a NILs loan first before seeking other expensive options for credit.

How to Apply

1

Step 1: Eligibility

To find out if you are eligible for a No Interest Loan, check the eligibility criteria.

2

Step 2: Enquiry

To Find your nearest No Interest Loan provider click here or call 13 NILs.

3

Step 3: Appointment

Make an appointment to meet with your provider.

4

Step 4: Paperwork

Submit your paperwork for you loan application to be assessed.

5

Step 5: Assessment

Your application will be assessed.

6

Step 6: Outcome

You will be informed of the outcome of your application by phone or email.

NILs Translated Information

View NILs information in other languages

Not sure which Good Shepherd loan is for you?

Use our loan comparison tool to find out

What our Clients are saying

Ray

Ray

No Interest Loan Client

I was very relieved that I could get these items and then pay them off at an amount I could comfortably afford.

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Marisol

Marisol

No Interest Loan Client

I now feel confident in managing my money, empowered to make positive change, to make my own choices. I’ll benefit from this program for the rest of my life and will pass this on to my son as he gets older.

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Rhonda

Rhonda

No Interest Loan Client

When I found NILS, I was overjoyed as there is no interest.

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Emergency relief support

For other emergency relief assistance with food parcels, bills and rent, to find a DSS Emergency Relief service provider near you.

We are here to help

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About Us

Learn more about Good Shepherd here

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Contact Us

Call us on 13 64 57

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Locate Us

Find your nearest service provider here

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