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  1. What we do
  2. 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.

Published: 27th April, 2021

Updated: 7th March, 2023

Author: Petro T

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Level 4 744 Bourke Street
Docklands VIC, 3008

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We appreciate the ongoing support of the Victorian State Government.

 
Neighbourhood Houses Victoria acknowledges the Traditional Owners of the lands across Victoria. We pay our respects to their spirits, ancestors, elders and Aboriginal and Torres Strait Islander community members past, present and emerging.
 
Neighbourhood Houses combat social isolation and loneliness by being accessible, non-threatening and inclusive spaces that welcome people from all walks of life. Everyone is invited, no matter their gender, age, race, sexuality, abilities, culture or religion.



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