Need urgent housing?
If you are in immediate danger Call 000.
Are you homeless or at risk of homelessness?
Free 24 hour phone line. Someone will take your call to get you help nearby. If after hours, they will refer you to the Salvation Army Crisis Services.
Are you escaping family violence?
Free 24 hour phone line. Someone will take your call from Safe Steps Family Violence Response Centre.
Interest-free or low interest loans to help you buy the things you need.

No Interest Loan Scheme (NILS)

The No Interest Loan Scheme (NILS) provides interest-free loans for low-income earners to buy essential household items like fridges, washing machines, televisions, beds and clothes dryers.

This scheme may also help with other essential needs like some medical and dental services, health aids and education costs.

NILS cannot be used for:

  • Emergency relief
  • Bond or rent money
  • Living expenses
  • Debt repayment.

Am I eligible?

To be eligible, you must:

  • Have a health care card or pension card or be on a low-income
  • Have lived at your current address for more than three months
  • Show you are willing and able to repay the loan.

How does it work?

NILS is a community-based program from Good Shepherd Microfinance. Accredited providers interview you and assess your application.

How much can I borrow?

Loans may be between $300 and $1,200. Repayments are set up at an affordable amount over 12 to 18 months.

Contact

You can find a NILS or StepUP provider near you on the Good Shepherd Microfinance website.

Ph: 13 NILS (13 6457)
Email Good Shepherd Microfinance
Visit the Good Shepherd Microfinance website.

StepUP low interest loans

StepUP loans are an initiative of Good Shepherd Microfinance, in partnership with National Australia Bank. It gives low interest loans to people on low incomes through community service providers. It can be used for buying items like furniture, computers and second hand motor vehicles.

Am I eligible?

  • You must have a health care card or get Family Tax Benefit Part A
  • You must have lived at your current address for more than three months.

How does it work?

This is a Good Shepherd Microfinance and National Australia Bank initiative. Accredited providers interview you and assess your application.

How much can I borrow?

Loans vary from $800 to $3,000.

There are no fees or charges with this loan. Repayments are flexible and can be over 6 months to 3 years. The interest rate is fixed for the term of the loan.

Contact

You can find a NILS or StepUP provider near you on the Good Shepherd Microfinance website.

Ph: (03) 9495 9655
Hours: Monday to Friday, 10 am to 3 pm
Email Good Shepherd Microfinance