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

There are two types of loans offered through this program: 

	No Interest Loans For essential goods and services	No Interest Loans For Vehicles
Loan purpose	For essential goods and services: Whitegoods (fridge, washing machines) Electrical appliances (TVs, tech devices, heaters and more) Car repairs Household repairs Medical and dental Other essential items as requested	For vehicles linked to essential day-to-day use: Cars Motorcycles Scooters Mobility scooters Boats First year registration and stamp duty (at purchase of vehicle)
Fees, interest and charges	$0	$0
Interest	0%	0%
Loan amount	$100 - $1,500	$2,000 - $5,000
Loan period	12-18 months	Up to 48 months
Typical repayment	$58 / fornight	$48 / fornight
Repayment method	Centrepay, direct debit	Centrepay, direct debit
Credit check required	No	Yes
Can I use the loan for cash, bills, rent, debts and bond?*	No	No

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Am I eligible?

To be eligible for the No Interest Loans, you must:

✔ hold a Health Care Card / Pension Card and/or

✔ or earn less than $45,000 a year after tax (singles) or $60,000 after tax (couples or people with dependants)

✔ can show that you are able to afford to repay the loan

Note: A NILs for vehicles loan also requires a credit check 

Find out more including how NILs differs 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.