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 There are two types of loans offered through this program: No Interest Loans For essential goods and services No Interest Loans For vehicles No Interest Loans For domestic and family violence 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) For people who are affected by family and domestic violence to help them get to a safer situation. Fees, interest and charges $0 $0 $0 Interest 0% 0% 0% Loan amount $100 - $1,500 $2,000 - $5,000 up to $3,000 Loan period 12-18 months Up to 48 months 24 months Typical repayment $58 / fortnight $48 / fortnight $48 / fortnight Repayment method Centrepay, direct debit Centrepay, direct debit Centrepay, direct debit Credit check required No Yes No Can I use the loan for cash, bills, rent, debts and bond?* No No Yes*Bond, rent, utilities only 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 Text 0467 400 693 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.