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联系我们
  • 关于我们的无息贷款
  • 我可以怎样使用这笔贷款
  • 我符合条件吗?
  • How do I apply?
  • 找到离您最近的服务机构
  • What our clients are saying
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关于我们的无息贷款

我们为低收入个人和家庭提供无息贷款,让他们获得安全、公平和负担得起的信贷。
贷款可用于购买冰箱、洗衣机、汽车维修和医疗程序等基本商品和服务,贷款金额最高可达$1,500。还款期为12至18个月,还款费用将设置为您可以负担的金额。

NILs is offered by 170 local community organisations in over 600 locations across Australia. Chances are there’ll be a local No Interest Loan provider near you or one who can help over the phone.

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我可以怎样使用这笔贷款

无息贷款用于购买基本商品和服务。贷款不能用来购买食物、支付租金、支付账单、按现金发放或偿还债务。
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修理汽车

我们的无息贷款可用于汽车修理。

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支付医疗或牙科费用

我们的无息贷款可以用来支付牙科和医疗费用。

young woman using laptop

支付教育必需品

我们的无息贷款可用于支付笔记本电脑和书籍等教育必需品。

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家居用品和必需品

我们的无息贷款可以用来购买家居用品,如冰箱和洗衣机。

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要求的其他项目

我们的无息贷款也可以用于其他项目或服务,如家用家具和维修。

我符合条件吗?

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只要您符合以下条件即可:

Good Shepherd Tick
您有医疗保健卡/养老卡,或者税后年收入低于$45,000(夫妇或有抚养他人责任的个人为$60,000)。
Good Shepherd Tick
您可以证明您有能力偿还贷款。

How do I apply?

1

第一步:符合条件

要了解您是否有资格获得无息贷款,请检查您是否符合条件。

3

第三步:预约

和您的服务机构预约面谈。

4

第四步:提交材料

提交您的贷款申请材料,以供审核。

5

第五步:审核

我们会对您的申请进行审核。

6

第六步:通知结果

我们会通过电话或电邮通知您审核结果。

找到离您最近的服务机构

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

Want to know more about No Interest Loans?

Watch our explainer videos to find out what you can use a No Interest Loan for, how much you can borrow and how to apply.

No matter where you are in Australia, our network of No Interest Loan providers is here to help you with your application.

What our clients are saying

瑞

无息贷款用户

我可以获得这些物品,然后以我能轻松负担的还款金额付清。这让我很安心。

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马里索尔

马里索尔

无息贷款用户

我现在对理财充满信心,有能力做出积极的改变,做出自己的选择。我的余生都将受益于此项目,并等到我儿子长大后我会把这些方法教给他。

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Rhonda

Rhonda

无息贷款用户

当我发现NILS时,我欣喜若狂,因为没有利息。

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Translated information

Access further information about No Interest Loans in other languages.

不知道该如何选择合适您的贷款?

Use our loan comparison tool to find out.

救急援助

对于其他救急援助事项,如购买食品、支付账单和租金,请在您附近找到DSS救急援助服务机构。

Other services you may be interested in

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Queensland Financial Resilience Program

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

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

Existing StepUP clients only
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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.