联系我们
  • 关于我们的无息贷款
  • 我可以怎样使用这笔贷款
  • 找到离您最近的服务机构
  • 我符合条件吗?
  • 如何申请
  • NILs 信息翻译
  • 听听我们的用户是怎么说的
Language:

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。

我们通过170个本地社区机构在600多个地区设置的网点为您提供无息贷款。也就是说您在附近就可以通过电话找到服务机构为您提供帮助。

Person Photo

Watch: How does a No Interest Loan work?

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。
used car on highway photo

修理汽车

我们的无息贷款可用于汽车修理。

dentist and patient photo

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。

Household items fridge

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。

Books and stationary photo

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。

找到离您最近的服务机构

我们通过170个本地社区机构在600多个地区设置的网点为您提供无息贷款。也就是说您在附近就可以通过电话找到服务机构为您提供帮助。

我符合条件吗?

young woman with brown hair smiling portrait

只要您符合以下条件即可:

Good Shepard 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 Shepard Tick
您可以证明您有能力偿还贷款。

无息贷款并不是发薪日借款,也不是银行贷款

无息贷款(简称‘NILs’)通过一个叫做“循环社区信用” 的程序来运作。也就是说当借款人向NILs项目还款时,资金就可以提供给社区中的其他人。在寻求其他昂贵的贷款选择之前,值得首先考虑的是NILs。

如何申请

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。

NILs 信息翻译

请查阅使用其它语言撰写的NILs信息

不知道如何选择适合您的好牧人(Good Shepherd)贷款?

使用我们的贷款比较工具

We are here for you

听听我们的用户是怎么说的

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。

No Image Entered
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。

No Image Entered
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。

No Image Entered

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。

我们为您提供帮助

有用资源

Financial Counselling

聪明理财预算工具(MoneySmart Budget Planner)

在我们的培训讲座使用过,可以帮助您制定预算

Financial Counselling

减少电费开支

这些妙招可以帮助您减少电费开支

Loans and Insurance

做好防灾理财准备

天灾人祸难防,防灾理财有备。

Other services you may be interested in

<noscript><img width=

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.
<noscript><img width=

Good Shepherd ‘Pop-Up’ in East Gippsland & Towong

Good Shepherd is supporting Victorians in the East Gippsland and Towing regions to rebuild, following the 2019/21 bushfires which left many people financially vulnerable.
<noscript><img width=

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.
<noscript><img width=

Financial Independence Hub

The Financial Independence Hub is a free and confidential service supporting people who have experienced financial abuse to feel more confident with money and plan for the future. If you have experienced financial abuse and are ready to take practical steps to build your long-term financial independence, we are here to support you.
<noscript><img width=

Family Violence Services Brimbank-Melton VIC

If you are experiencing family violence Good Shepherd can help. We provide specialist family violence services for those in the Brimbank-Melton region.
<noscript><img width=

Bayside Peninsula Family Violence Services VIC

If you are experiencing family violence Good Shepherd can help. We provide specialist family violence services for those in the Bayside Peninsula.
<noscript><img width=

Financial Capability and Wellbeing Program VIC

Improve your understanding of your finances and debt management with our Financial Capability and Wellbeing Program.
<noscript><img width=

Financial Counselling VIC

Good Shepherd offers a free and confidential financial counselling service that assists people to gain control over debt and financial pressures.
<noscript><img width=

Firmer Foundations NSW

Firmer Foundations is a free program for women focusing on money management and financial independence.
<noscript><img width=

Family violence counselling for your children

Good Shepherd's family violence service includes counselling and support for your children.
<noscript><img width=

Housing services

Our Family Violence services can help connect you with special crisis accommodation.
<noscript><img width=

Legal Services Advice

If you are experiencing family violence, we can connect you with helpful legal services.
<noscript><img width=

Financial assistance

Our Family Violence services can help you with financial assistance.
<noscript><img width=

Counselling NSW

Good Shepherd offers a range of specialist counselling services to young people aged 12-17 and their families.