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Contact Us
  • About No Interest Loans for vehicles
  • Am I eligible?
  • Find a provider

About No Interest Loans for vehicles

We provide No Interest Loans for vehicles for people and families on low incomes to purchase a vehicle for essential use.

No Interest Loans (NILs) are available for $2000 – $5000 for the purchase of an essential vehicle including cars, scooters, mobility scooters, motorcycles and boats. 

Pay back only what you borrow.

No Fees. No Interest. Ever.  

 

 

 

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Am I eligible?

Note: NILs for Vehicles requires a credit check

young woman with brown hair smiling portrait

You are eligible if:

Good Shepherd Tick
You have a Health Care Card / Pension Card OR earn less than $45,000 (single household) or $60,000 (couple or people with dependants) a year after tax
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Can show that you can afford to repay the loan

Find a provider

ACT / NSW

Mary MacKillop Today –  Bathurst, Cowra, Lithgow, Orange, Young
(02) 6331 2010
Nils4cars@mmtloans.org.au

Northern Rivers Community Gateway
(02) 6621 7397
nrnils@nrcg.org.au

Victoria

Bendigo Family & Financial Services
(03) 5441 5277
NILS4CARS@bffs.org.au

Good Money – Collingwood
1300 770 550
collingwood@goodmoney.com.au

Good Money – Dandenong
1300 770 550
dandenong@goodmoney.com.au

Good Money – Geelong
1300 770 550
geelong@goodmoney.com.au

Good Money – Morwell
1300 770 550
morwell@goodmoney.com.au

South East Community Links – Dandenong
(03) 9791 8344
Microfinance@secl.org.au

South East Community Links – Springvale
(03) 9546 5255
Microfinance@secl.org.au

Queensland

Logan East Community Neighbourhood Association
(07) 3808 4529
Nils4vehicles@lecna.org.au

Good Money – Cairns
1300 770 550
cairns@goodmoney.com.au

Good Money – Southport
1300 770 550
southport@goodmoney.com.au

St Vincent de Paul Society QLD
1800 846 643 (Option 4)
loans@svdpqld.org.au

South Australia

Good Money – Salisbury
1300 770 550
salisbury@goodmoney.com.au

UnitingCare Wesley Bowden
(08) 8245 7177
nils-team@ucwb.org.au

Northern Territory

Western Australia

Tasmania

NILs Network of Tasmania
1300 301 650                                            nils4cars@nilstasmania.org.au

Not sure which loan is for you? See a list of other Good Shepherd loans below:

Good Shepherd Contact

I need essential goods or services

You could consider a No Interest Loan to:

repair a car
pay for medical or dental expenses
pay for education essentials
buy household items like fridges

Up to $1,500

Loan amount

No Interest

Interest rate

12 - 18 Months

Repayment timeline
Good Shepherd Contact

I want to improve my quality of life

You could consider a Family and Domestic Violence No Interest Loan for:

Furniture and white-goods
Legal costs
Technology and security
Education/employment tools
Security costs

Family and Domestic Violence No Interest Loan

Up to $2,000

Loan amount

No Interest

Interest rate

Up to 2 Years

Repayment timeline
Good Shepherd Contact

I need help with rent or utilities

You could consider Household Relief:

to help pay for rent
to help pay for utilities
to help pay for rates
to help pay for owners corporation fees

Household Relief Loan

Up to $3,000

Loan amount

No Interest

Interest rate

18 - 24 Months

Repayment timeline

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)
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.
No Interest Loans (NILs)

No Interest Loans (NILs)

For essential goods & services including:
  • household items (fridge, TV, washing machine + more),
  • furniture,
  • education essentials,
  • laptops & devices,
  • car repairs,
  • medical & dental expenses.
Borrow up to $1500. Pay back what you borrow. No Fees. No Interest. Ever.
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.