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The No Interest Loans Scheme (NILS) offers people on low incomes, safe and affordable access to credit.

The scheme provides up to $2,000 for essential goods and services including:

  • household items such as:
  • furniture and whitegoods (stoves, fridges, washing machines)
  • educational necessities such as computers and textbooks
  • some medical and dental  services
  • car repairs
  • other items on request.

The loans are interest free, there are no fees, and repayments are arranged over 12 to 18 months.

To be eligible for NILS you need to:

  • have a health care card/pension card or earn less than $57,000 a year (after tax) for singles OR $75,000 a year for couples or people with dependents. 
  • have lived in your current premises for more than 3 months
  • show that you're able to repay the loan in the allotted time period.

Note: NILS cannot be used for cash, rent arrears, holidays, bills or debt consolidation.
The loan funds are paid to the store or service provider.

For more information, contact your local NILS provider or call Good Shepherd on 13 64 57.

Last updated: 20 December 2022
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