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 or who have been impacted by domestic and family violence with access to safe, fair, affordable credit with no fees and charges applied.

Washing machine broke down? Unexpected car repairs? Need a new laptop for work or school? Moving and need support with bond or rent in advance? Re-establishing after fleeing domestic violence?

Unexpected expenses are bound to pop up from time to time. NILs can help you manage your money and you only pay back what you borrow, nothing more.

Please note: NILS for Vehicles is experiencing high demand at the moment. At this stage we have a limited capacity to provide loans through the Good Money stores. Please be patient, the four stores will do their best to respond as soon as possible but you may experience delays. You can apply normally, and we will direct your application to the nearest good money store.

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	Borrow up to $2,000 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

• Please note the general loan threshold is $2,000
• Loan Term is 3 to 24 months

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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 Gross $70,000 p.a. (Net $57,000 p.a.) for singles or Gross $100,000 p.a. (Net $75,000 p.a.) for couples or people with dependents.

✔ or have experienced family or domestic violence in the last 10 years

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

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

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Find out more including how NILs differs to other loans

Click on the icons to help explain the NILs difference:

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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 financial assistance option that's more appropriate.

Please note: NILS for Vehicles is experiencing high demand at the moment. At this stage we have a limited capacity to provide loans through the Good Money stores. Please be patient, the four stores will do their best to respond as soon as possible but you may experience delays. You can apply normally, and we will direct your application to the nearest good money store, or contact the nearest store directly:

Good Money Stores	Contact
Collingwood	[email protected]
Dandenong	[email protected]
Geelong	[email protected]
Morwell	[email protected]