How NILs can help you
Fair loans for life’s essentials
How can it really be no interest?
We know it can sound too good to be true - but there’s genuinely no interest, no fees and no charges.
The No Interest Loans (NILs) program is a not-for-profit community program designed to help people pay for essential goods and services when they need them most.
You borrow a small amount and pay it back in affordable instalments over time.
Once your loan is repaid, those funds are used to help the next person in the community access a loan too. It’s called circular community credit.
NILs is delivered by Good Shepherd Australia New Zealand through a network of community organisations across Australia. The program is supported by the Australian Government and delivered in partnership with National Australia Bank.
When life happens,our loans help you keep moving.
Washing machine broke down? Unexpected car repairs? Need a laptop for work or study? Life's unexpected expenses can put pressure on any budget. With a No Interest Loan (NILs), we'll pay the supplier directly (no cash provided), and you only repay what you borrow — with no interest, fees or charges.
Up to $2,000No Interest Loans for Essentials
For what you need most.
- Need to replace a broken fridge or washer?
- Is your child starting school or a course?
- Do you have urgent dental or medical expense?
Up to $5,000No Interest Loans for Vehicles
For essential travel needs.
- Need a car to get to work?
- A new van to transport the family?
- A mobility scooter to keep your independence?
Up to $3,000No Interest Loans for Disaster Relief
Managing after a crisis.
- Lost your tools or equipment in a fire or flood?
- Need help with clean-up or urgent repairs?
- Struggling to replace lost essentials?
Who is eligible for NILs?Designed for people who need support.
You may be eligible if you meet at least one of the following criteria
You have a Health Care or Pension Card
Singles
Earning less than $70,000 (before tax)
Partner or Dependants
Earning less than $100,000 (before tax)
You have experienced family or domestic violence in last 10 years
You’ll also need a few supporting documents
To be eligible for a NILs loan, you’ll need documents that show your current address and that you can manage repayments. Don’t worry, repayments can be made easily and safely through Centrepay or direct debit.
How NILs works Supporting you at every step.
How do I apply? It’s simple – follow this step-by-step guide:
- 1
Check if you’re eligible and make sure it’s affordable
5 minsAnswer a few simple questions to see if NILs is right for you and get an estimate of repayments so you know what to expect.
- 2
Submit your enquiry and gather your documents
24-48 hoursIf you’re eligible, we’ll help you with your application and connect you with a provider. Get your documents ready to keep things moving.
- 3
Have a financial discussion to complete your application
30 minsWe'll book a financial discussion with you to talk through your application, confirm your details, and make sure the loan is right for your circumstances before moving forward.
- 4
Get approved and gain peace of mind
48 hoursOnce approved, payment will be made directly to your supplier or service provider. Then start making affordable fortnightly payments over 6-48 months with no interest or fees, ever.
