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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?


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


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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?



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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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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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

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  • A person whose behaviour is violent or abusive may use technology to harass, watch, track, control, or harm you
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  • 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 – a government website that helps victim-survivors of family violence.
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  • Think about using private browsing so the websites you visit aren’t logged on your device.
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