What we do Projects Good Shepherd's No Interest Loans Neighbourhood Houses Victoria is proud to be partnering with Good Shepherd and their No Interest Loan program. No Interest Loans (NILs) provide individuals and families on low incomes with access to safe, fair, affordable credit with no fees and charges applied. Enquire now Am I eligible? To be eligible for the No Interest Loans, you must: ✔ hold a Health Care Card / Pension Card or earn less than $45,000 a year after tax ($60,000 for couples of people with dependants) ✔ have lived at your current or previous address for at least 3 months ✔ can show that you are able to afford to repay the loan How much can I borrow? You can borrow up to $1,500. What can I use NILs for? Essential goods and services. These may include: Does not include: Household items like whitegoods, TVs and furniture Medical procedures and dental services Education essentials such as computers and text books Car repairs or registration Some other items as requested Cash Food Rent Bills Debts Once approved, Good Shepherd will pay directly to the supplier of the goods and services. How does NILs differ to other loans? Click on the icons to help explain the NILs difference: How do I get assistance applying for NILs? If you have any questions or want help getting started: Call (03) 9606 0117 or Complete the Enquiry Form If the NILs program isn't able to meet your needs, check if there is another loan option that's more appropriate.