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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
Language:

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 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.

Want to know more about No Interest Loans?

Watch this series of explainer videos to help answer your questions about:

  • What can I use a No Interest Loan for?
  • Am I eligible for a No Interest Loan?
  • How do I apply for a No Interest Loan?
  • How much can I borrow?

A loan’s worker can help guide you through your application.

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

We are here for you

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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Other services you may be interested in

Queensland Financial Resilience Program

Queensland Financial Resilience Program

Supporting Queenslanders who are experiencing financial challenges with services including:
  • financial counselling
  • assistance to access No Interest Loan's (NILS)
No Interest Loans (NILs) for vehicles

No Interest Loans (NILs) for vehicles

For vehicles linked to day-to-day use including:
  • car (must be registered),
  • motorcycle,
  • scooter / mobility scooter,
  • boat,
  • first year registration and stamp duty (for purchase of vehicle).
Borrow up to $5000. Pay back what you borrow. No Fees. No Interest. Ever.
Family & Domestic Violence No Interest Loans (FDV NILs)

Family & Domestic Violence No Interest Loans (FDV NILs)

For women affected by family and domestic violence. Loans can be used for bond & rent, legal costs, security items, removalist and transport costs, car registration and repairs, furniture and whitegoods, utility bills, technology, medical & dental, education & employment tools/equipment . Borrow up to $2000. Pay back what you borrow. No Fees. No Interest. Ever.
Household Relief No Interest Loans

Household Relief No Interest Loans

For people financially impacted by COVID for items including:
  • utility bills,
  • bond or rent,
  • council rates,
  • body corporate fees.
Borrow up to $3000. Pay back what you borrow. No Fees. No Interest. Ever.
Good Insurance

Good Insurance

Good Shepherd offers insurance programs working with Australia’s largest insurance companies to create affordable and simple insurance policies for people on low incomes.
Financial assistance

Financial assistance

Our Family Violence services can help you with financial assistance.
StepUP Loans

StepUP Loans

Existing StepUP clients only
Good Money Stores

Good Money Stores

Good Money community finance stores offer safe, affordable and responsible financial services to people on low incomes in Queensland, South Australia and Victoria. Offering No Interest Loans (NILs) for essentials (up to $1500) and No Interest Loans for vehicles (up to $5000) + referrals to other financial and community services. Contact us today.