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No Interest Loans (NILs) are a smart loan option to help you manage your money.  Borrow up to $2,000 for essential goods and services with no fees, no interest, and no charges, EVER.  You pay back only what you borrow and nothing more.   

How does NILs work?   

There are times in life, despite how hard you try to keep on top of things, when unexpected expenses pop up.  Washing machine has broken down?  Unexpected car repairs?  Car registration due? Need a new laptop for work or school? NILs will pay the cost of these essential goods or services straight to the supplier / vendor.  Loans cannot be used for cash, bills or debts. 

Click on the button below to find a No Interest Loans provider near you!

What can I use a NILs loan for?

Loans are available up to $2,000 for essential goods and services including the categories below. Contact us to chat about your needs.

  • Household Essentials like whitegoods and furniture
  • Car Repairs and Registration
  • Assistance devices
  • Medical & Dental expenses
  • Technology like a phone or laptop
  • Bond and moving expenses
  • Education expenses

 

Am I eligible?

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Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or dependants
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OR Have experienced family or domestic violence in the last 10 years
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OR Have a Heath Care Card / Pension Card
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AND You can show you have the capacity to repay the loan

How do I apply?

Phone

Call Good Shepherd’s No Interest Loan Team on 13 64 57

Locate

Find A Community Service Provider Near You

Frequently Asked Questions

We also have No Interest Loans for vehicles

What do I need to apply?

When you apply, you’ll need to provide

  • 100 points of ID (such as a Driver’s License or Passport, Medicare card or Health Care Card, bank card or bills, something to verify your address)
  • Details about your financial situation (bank statements and/or banking details, payslips and/or Centrelink statements, plus a budget estimate of your regular expenses)
  • Information that helps determine your capacity to repay the loan (such as existing debts)
  • An invoice that shows: the date, a description of the item/service, the supplier’s details (business name, ABN, address, phone or email, banking or payment details), and the payment amount

IF you haven’t chosen the exact item you’d like to buy, but know the rough amount, you can talk to us about ‘pre-approval’ to see if you’ll be eligible, then supply the invoice later. Note: No Interest Loans CANNOT be used for cash. We pay the invoice directly to the supplier.

When applying for a No Interest Loan of up to $2,000, there are NO credit checks. We’ll look at your income and expenses, the total loan amount, and your repayment timeframe (up to 24 months), and work with you to determine if you have the capacity to repay the loan. We don’t judge you on your history.

Find your nearest Provider

No Interest Loans are offered by more than 170 local community not-for-profit organisations in over 600 locations. Click the button to find a No Interest Loan provider near you. In most cases you can visit in person or can apply over the phone.

How has a No Interest Loan helped?

Ray*

Ray*

I got a NILs loan for a washing machine and then a dryer. I was very relieved that I could get these items and then pay them off at an amount I could comfortably afford. In the past I had taken out a ‘payday loan’ and it got me into real trouble with the repayments.

*details changed to protect privacy

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Anne*

Anne*

Getting a No Interest Loan helped me pay my rego and I didn’t have to pay it in one hit. It’s such a good option because repayments are tailored to what you can afford. I didn’t have to max out my credit card so it was much better from a budget point of view.

*details changed to protect privacy

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Rhonda*

Rhonda*

A NILs loan is great because there’s no interest and no hidden fees. With most of those ‘fast loans’ there are heaps of extra charges and high interest, so you end up paying back so much more than you actually borrowed. I needed some urgent dental work done and I couldn’t have got it without a NILs loan.

*details changed to protect privacy

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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 about No Interest Loans on 13 64 57

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Find a NILs Provider

Find your nearest service provider here

Are you at risk of someone checking where you've been online?

Click on the red button to the right, to find info on how to erase your browser history or search in a ‘hidden’ or ‘incognito’ mode. This will take you to a different site, FamilyViolenceLaw.gov.au

  • A person whose behaviour is violent or abusive may use technology to harass, watch, track, control, or harm you
  • There are always some risks to privacy and personal information when using technology. You always leave a digital trail so it may be important to use a safer device
  • There is a RED BAR at the bottom of this page that you can click to leave this page quickly. Clicking this will NOT erase your browsing history. Below we’ve put some links from FamilyViolenceLaw.gov.au – a government website that helps victim-survivors of family violence.
  • If you’re worried about someone finding out what websites you’ve visited or things you have downloaded, see deleting your browsing history and deleting your download history.
  • Think about using private browsing so the websites you visit aren’t logged on your device.
  • If you’re worried about someone monitoring your online activity using spyware or monitoring devices, see making sure my technology is safe.
  • You may want to sign out of any accounts like Google or Facebook before viewing this website, as they can store information about websites you have visited.
  • For more information on using technology safely see, see making sure my technology is safe.
  • Safer devices are things like phones or computers that a person who has been abusive or violent has not and will not be able to access
  • There may be more risks to your privacy and safety if someone who has been abusive or violent has had physical access to the device you are using
  • Most local libraries have computers you can use for free
  • If you have a trusted friend or counsellor they may have a phone or computer you could use
  • Some people being monitored choose to use a new device to have private conversations. You could also create a new email account that is not connected with your old account
  • This page from 1800RESPECT.org.au contains tips for using technology if you are being abused and how to stay safe online
  • This page from WomensAid.org.uk has more info on staying safe online.

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