• long running

No Interest Loans (Up to $2000–$3000) @ Good Shepherd Australia New Zealand (No Fees, No Charges)

2580
No Interest Loans (Up to $2000–$3000) @ Good Shepherd Australia New Zealand (No Fees, No Charges)
Go to Deal
liamisred on 27/04/2025 - 20:29 goodshep.org.au (2055 clicks)
Last edited 28/04/2025 - 16:49 by 1 other user

Need a new fridge, urgent car repairs, or a laptop for work/study?
Good Shepherd Australia New Zealand offers No Interest Loans (NILs) to eligible Australians — 0% interest, no fees, no hidden charges ever.

Borrow up to $2,000 for essentials:

  • Household appliances & furniture
  • Car repairs/registration
  • Medical, dental, vet expenses
  • Laptops/computers (up to $2,000)
  • Phones/tablets (up to $1,000)
  • Education and employment expenses

Borrow up to $3,000 for:

  • Bond for a new rental
  • Recovery from a natural disaster

No credit checks
Repay what you borrow — no more
Payment made directly to suppliers (no cash)
Maximum 24 months repayment schedule

Eligibility:

  • Health Care Card or Pension Card holder
    OR
  • Earn less than $70,000 p.a. (single) / $100,000 p.a. (family)
    OR
  • Experienced family/domestic violence in the last 10 years

PLUS to any of the above
• Have lived at your current address for at least 3 months
• Can demonstrate ability to repay

Important:

Only apply through official Good Shepherd channels. There are fake websites and social media accounts pretending to offer NILs loans trying to steal your information
- Commenter has mentioned that "Australian Vietnamese Arts" are not giving out any actual loans and wasting time asking for absurd documents - steer clear

More Info & Apply:

Find your nearest NILs provider here - https://goodshep.org.au/nils-provider-finder/

Phone: 13 6457 (13 NILs)

Financial Loan

Related Stores

Good Shepherd Australia New Zealand
Good Shepherd Australia New Zealand

Comments

  • BertieBrown on 27/04/2025 - 20:36
    +29

    This is such an awesome program!

  • TheDukeOfNukem on 27/04/2025 - 20:42
    +51

    Not a fan of religion, but definitely a fan of when they actually do what they claim they're all about.

    • liamisred on 27/04/2025 - 20:43
      +17

      Amen

    • mccarthyp64 on 28/04/2025 - 00:54

      Charity > Welfare via taxes

      • entropysbane on 28/04/2025 - 07:16
        -1

        Someone downvoted this comment. Unbelievable.

        Charity is always better targeted than a Government program to those in need.

        • MyOtherOtter on 28/04/2025 - 09:45
          +1

          Found the neo-liberal fantasist.

        • mccarthyp64 on 28/04/2025 - 14:13

          We're up to eight downvotes lol

        • liamisred on 28/04/2025 - 19:39
          +1

          Government is needed to drive real change, as someone who volunteers for a charity, our budget is nowhere near what the government funds and due to government programs we can actually help people. Through government programs even rurally I've personally helped dozens of people get out of the cycle of poverty (Translation - unproductive handout land in conservative speak) into tax payers in well paying secure jobs (Translation - good little tax payers that contribute more in tax than most multinational corporations). If I couldn't play around with comboing about a dozen different federal/state/local government funding pools/schemes/service providers, they'd be busy rotting away drinking away their centrelink at the bar, instead they're working for 7.5 hours then spending their hard earned money to rot away at the bar.

          • entropysbane on 29/04/2025 - 11:35
            +1

            @liamisred: Working for the charity you got a bunch of people out of poverty.
            A Government program for the same amount of money would not have a hope in hades of doing anything like that for the same number of people.
            The better solution if the philanthropic charity budget is insufficient is for the government to top it up rather than bureaucratise and take over the program.
            (Disclosure, I have ran many rural government assistance programs, including those that rely on charities for delivery). Charity based rolls out quicker, effectively and more efficiently than a purely government program.

            So I suspect we are arguing for the same thing. But you should not be surprised, particularly in the welfare sector but also education and health, that ideology in the bureaucracies drives many to want government to take over entire.

            • liamisred on 29/04/2025 - 16:09
              +1

              @entropysbane: Look us having funding is important however the real difference is made with strategic referrals to government programs/government funding from other organisations. Get rid of those then you’ve tied my hands.

  • Iluvfreebies on 27/04/2025 - 20:46

    There is always a catch

    • liamisred on 27/04/2025 - 20:47
      +7

      Federal government backed

      • boomramada on 27/04/2025 - 22:31

        Your tax money 😅

        • liamisred on 27/04/2025 - 22:33
          +21

          Good use of tax money saving people from BNPL

        • jjcf on 27/04/2025 - 22:50
          +5

          NILS is funded by NAB, with other banks helping with some of the other services they offer. Government just provides some financial assistance for the administration of the charity.

          I mean, I guess banks giving interest free loans is kind of indirectly your tax money. But that’s a rabbit hole.

          • eman resu on 28/04/2025 - 10:59
            -4

            @jjcf: Once you start down the Rabbit hole you start to realise that everything has to do with the T being silent.

    • MITM on 27/04/2025 - 20:52
      +9

      Yes, you’re obliged to repay, no more and no less.

    • SomeGuyOnOzB on 28/04/2025 - 11:11
      +1

      No Catch after 30 April 2025

    • payless69 on 28/04/2025 - 13:33

      All the idiots who saved are EXCLUDED!

      But praise the Lord! Praise Allah for keeping the chicks under control…

      Now I am running at the fastest speed ever!

  • Fatboy74 on 27/04/2025 - 20:47
    +7

    Praise the lord!

    • liamisred on 27/04/2025 - 20:48
      +2

      lmao

    • MITM on 27/04/2025 - 20:54
      +3

      A Godsend for some.

    • MrThing on 27/04/2025 - 20:57
      +4

      Praise Jeebus

  • Oh Daddy on 27/04/2025 - 20:57

    Not found, error 404?

  • tqqq on 27/04/2025 - 21:10

    What happens if I cant pay this back and take out $3,000?

    • Originality on 27/04/2025 - 21:16
      +41

      Well they look at your finances so you won't get accepted.

      But they're very nice people.
      I had to get one out to escape homelessness back when I was a teenager. And I did miss payments once or twice, but I talked to them and let them know in advance, they shifted those payments to the end of the list of payments due. So I just paid them later.

    • saltysalt on 27/04/2025 - 21:33
      -6

      How does that equal discrimination? Damn these men's rights people aren't the sharpest tools…

      • Lps on 27/04/2025 - 21:57
        +5

        Think of it this way. If it said ‘specifically supports white Australians’, how would that be interpreted? Would it equal discrimination of any kind in your view?

        You were saying something about the sharpest tools.

        • Originality on 27/04/2025 - 22:28
          +17

          Specialising in a certain area of support does not mean you don't care about people who are not a part of the groups you specialise in supporting.
          There are services that specialise in supporting men. Mensline, AMSA, Dads in distress (parentsbeyondbreakup.com/dids) etc.

          It's like going to a butchers and complaining they don't have a fruit salad for sale.
          Doesn't mean the butchers hate fruit, it's just not what they specialise in.

          • Jolakot on 28/04/2025 - 02:10
            +5

            @Originality: You've conflated hate with discrimination.

            If a butcher didn't discriminate against fruit and veg, they would be a grocery store.

            Fernwood discriminates against men, because they only allow women inside. A gay sauna discrimates against women, because they only allow men inside.

            If 100% of your focus is split equally between A and B, then you are not discriminating against either. If your focus is split 80%/20% on A/B respectively, then you are discriminating against B in favour of A.

            Nothing inherantly wrong with that, they should just be up-front about it.

            Like The Orange Door service in Victoria, they claim to not discriminate on the basis of sex, race or nationality. But they explicitly do not provide any victim services to men as a core part of their charter (under their list of exclusions) so clearly that's untrue. Just be honest about it and leave room for other groups to fill that niche if you don't want to.

            • jmsu on 28/04/2025 - 07:47
              +3

              @Jolakot:

              If 100% of your focus is split equally between A and B, then you are not discriminating against either. If your focus is split 80%/20% on A/B respectively, then you are discriminating against B in favour of A.

              Wait, doesn't that depend on whether you have an equal split between work for A and B available? I.e. if you are getting 80%/20% A/B, wouldn't it be non-discriminatory to work on them in the same proportion?

            • Originality on 28/04/2025 - 08:25
              -1

              @Jolakot: Yeah okay buddy.
              I'm not going to agree with you on this. So lets just leave it there.

              • bargaino on 28/04/2025 - 11:08
                +1

                @Originality: I don't think you are disagreeing on anything important, just the meaning of the word. So we should be able to come to an understanding.

                The old meaning of "discrimination" is simply:

                recognition and understanding of the difference between one thing and another.

                In the context of people, rather than food, a liquor store is required to discriminate on age, not selling to under 18s. But they are not allowed to discriminate on sex or race, as to who they serve. One is OK, one is not.

                You seem to be loading the term with more meaning. Many people do. Can I ask what is your personal definition? is it something you have considered?

                • Big L on 28/04/2025 - 16:12

                  @bargaino: Semantics. A lot of words carry a different meaning in different contexts. Consider the word 'dick' for example.

                  • bargaino on 28/04/2025 - 16:22
                    -1

                    @Big L: You mean as in a person who casts infantile insults in a public forum under cover of anonymity?

                    • Big L on 30/04/2025 - 17:10

                      @bargaino: You considered it an insult yet it obviously could be many things, thanks for proving my point.

            • saltysalt on 28/04/2025 - 14:45
              +1

              @Jolakot: Lol at a butcher is discriminating against fruit!! That’s not discrimination hahahaha!!

              • bargaino on 28/04/2025 - 16:18
                +2

                @saltysalt: Can you discriminate between a sound argument and a fallacious one?

                If a bank is indiscriminate in whom they loan money to, they will be soon out of business.

                It seems for some people, feelings count more than logic. I take it for you "discrimination" has taken on a very narrow meaning, with strong emotional character?

              • Jolakot on 28/04/2025 - 19:35

                @saltysalt: What separates a butcher from a grocer?

  • scart on 27/04/2025 - 21:26
    +6

    Great program, but just a reminder for anyone eager to make use to make sure you're eligible rather than filling their inbox:

    Eligibility:
    • Health Care Card or Pension Card holder OR
    • Earn less than $70,000 p.a. (single) / $100,000 p.a. (family) OR
    • Experienced family/domestic violence in the last 10 years
    • Have lived at your current address for at least 3 months
    • Can demonstrate ability to repay

    • WhyAmICommenting on 27/04/2025 - 21:29
      +8

      It’s not well written in the post. The main catch here will be 70k income or 100k for family. The DV case is an OR, not an AND like the last two points.

      • liamisred on 27/04/2025 - 21:36
        +1

        Edited it, how's that?

        • WhyAmICommenting on 27/04/2025 - 21:37

          Yeah nice, sorry for being lazy haha. Appreciate the posts and hopefully they help some people here out through tough times.

    • 16k-zx81 on 28/04/2025 - 08:41
      +4

      That's not the actual wording.

      It should read (copy pasted from their website):

      Have a Health Care Card / Pension Card

      OR earn less than $70,000 (before tax) as a single

      OR earn less than $100,000 (before tax) if you have a partner

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

      AND you have lived at your current address for a minimum of three months

      AND you can show you can afford to repay the loan (Centrepay and direct debit available)

  • hugh on 27/04/2025 - 21:29
    +2

    lol, manna from christian heaven

    • liamisred on 27/04/2025 - 21:30
      +3

      I'd love some independent organisations to take up these kinds of programs but some of the religious folk out there are practicing what they preach and they are kind about it

    • MrZ on 01/05/2025 - 21:58

      Your manna is low

  • DEvok on 27/04/2025 - 21:38
    +1

    What if your just under that threshold like $65k will that quality?

    • WhyAmICommenting on 27/04/2025 - 21:39
      +7

      I would think 65k is suitably below 70k :)

    • liamisred on 27/04/2025 - 21:39

      Yep

    • MrZ on 01/05/2025 - 21:49

      lol that's like asking if you park in a 2P space for 1 hr and 55 minutes, will you get fined? Or if you drive at 59 km/h in a 60 zone will you get booked?

    • xrailgun on 27/04/2025 - 22:04
      +4

      No credit checks
      Payment made directly to suppliers (no cash)

      • truetypezk on 27/04/2025 - 22:35
        +1

        Supplier: the bank :)

  • Promistaker on 27/04/2025 - 21:52
    +5

    One of my friends applied through the “Australian Vietnamese Arts“ which is listed on the Good Shepperd website as a NILS provider, they pretend to have a physical address but it's fake. He was dragged for weeks to process the application, asked for absurd documents, had long delays in reply and was finally denied even though he was eligible. Looks like some organizations using this program to get federal funding but not giving out any actual loans. Doge stuff happening here.

    • liamisred on 27/04/2025 - 21:58
      +3

      Will add a tab for dodgy providers, thank you

    • payless69 on 28/04/2025 - 13:36

      Take it to the local ( church who wants to be anonymous)
      But day 6 schmoozing make a 5 or 10 year plan, eat no dead pigs….

      • Bdawg on 29/04/2025 - 11:11
        +3

        Did you just have a stroke?

        • payless69 on 29/04/2025 - 11:51

          Nah, just buy a car dealership.

  • Atomik17 on 27/04/2025 - 22:25
    -1

    Will it fit 35s? No lift.

    • MrZ on 01/05/2025 - 21:50

      Wtf?

  • Suricate on 27/04/2025 - 22:28
    +3

    When do you have to pay back by? I can't find any info on this

    • liamisred on 27/04/2025 - 22:30
      +5

      Up to 2 years (so divide the cost by 24 to get a monthly repayment cost)

      • DEvok on 27/04/2025 - 23:50

        Sorry miss read tittle under $70k thought had to be 70k and over

    • Originality on 27/04/2025 - 22:32
      +5

      They set up a repayment schedule.
      It's usually fortnightly payments over a year, sometimes two years.
      They sit down and go through your finances to see what you're able to pay and work things out with you.

  • DEvok on 27/04/2025 - 23:54

    So how does the bills work, just buy something and they will cover the costs by sending you funds back?

    • liamisred on 28/04/2025 - 01:34

      I think you might need to get them to buy it for you but ask them what the options are

    • Originality on 28/04/2025 - 10:29
      +3

      When I got my NIL a bit over a decade ago, you had to bring them an invoice and they issued a cheque for the business and invoiced amount.

  • Dyl on 28/04/2025 - 03:25

    Does this involve credit checks / impact credit score?

    If it's listed I assume it shows up as an unsecured loan, so may impact scores negatively?

    Edit: Description says no credit checks upon opening my eyes.

    Cool scheme, but I dislike how we're moving to an 'everything is a loan' society. Education? Loan. Car? Loan. Fridge? Loan. House? Goodluck. Just results in providers and retailers pushing up prices knowing the average consumer can afford more via loan(s).

    Look at Harvey Norman for example, you could easily spend $25,000 furnishing a house these days with new furniture and appliances. People don't care simply because of interest free loans and accept it as the new normal.

    • McMaferMur on 28/04/2025 - 08:08
      +2

      Yep thats why i disagree with afterpay etc. Its just teaching youg people to borrow. That, plus the existing mentlity of no savings, equal disaster when small things go wrong.

      • Dyl on 28/04/2025 - 08:11
        +1

        Pay-day loans, afterpay, zip, etc are even worse, absolutely terrible products. They should be illegal.

        Alright if you pay it off on time 100% of the time, but if you can do that why do you need a loan in the first place? Just targets financially vulnerable people and sucks late payment fees out of them.

        • McMaferMur on 28/04/2025 - 14:42

          Totally agree. Those young, i feel sad for them. In debt in such young age, all thanks to the government who legalised that.

        • wtigers on 28/04/2025 - 19:04
          +1

          Worry about your self mate, no one is forcing people to use it. you downer

      • Duff5000 on 28/04/2025 - 11:11
        +1

        Not defending the likes of afterpay and similar but haven't credit cards been doing that for decades?

        Back in the pre smart phone era i had to get a credit card to be able to get a mobile phone plan.

        At least this is an offer only for essentials and/or emergency relief. They aren't going to let you buy $2000 of pokemon cards.

        • McMaferMur on 28/04/2025 - 14:46

          credit card…. its different… can 19yo without proper job get a credit card? Yes this one is okay we were talking how bad is afterpay

          • Duff5000 on 29/04/2025 - 10:36

            @McMaferMur:

            we were talking how bad is afterpay

            We were talking about teaching young people to borrow. I was just pointing out this isn't exactly new. Afterpay takes it to another level but i made it clear I wasnt defending afterpay.

      • wtigers on 28/04/2025 - 14:16

        Worry about yourself mate

    • liamisred on 28/04/2025 - 12:54
      +3

      You’ve brought up some really valid concerns. Just to clear it up first — no, this doesn’t involve a credit check and it won't show up as a traditional unsecured loan on your credit file, so it shouldn’t impact your credit score.

      And yes, it definitely feels like everything these days is being turned into a loan — car, education, fridge, even everyday shopping with BNPL. You’re spot-on that it often leads to retailers pushing up prices, and people getting deeper into debt without realising.

      But I think this particular scheme is actually a really positive one, because it’s aimed specifically at covering essential costs — not luxuries — and reduces the cost of debt for people who otherwise would have limited (and expensive) options.

      For example, say your car breaks down and you need $500 for urgent repairs. Around one in three Australians (2024 WACOSS data) wouldn’t be able to cover that out of pocket. Without savings, your choices are pretty rough:

      A credit card at around 20%+ interest

      A personal loan (if you qualify) at 6–11%

      An overdraft with fees

      Or worst case, a payday loan with interest rates with 100-400% effective APR and fees

      All of those options cost people more in the long run and can trap them in ongoing debt cycles.

      This no-interest, no-credit-check scheme breaks that pattern by giving people a way to manage urgent costs without the added burden of high fees, compounding interest, or getting blacklisted by lenders.
      It’s not about financing luxury purchases — it's about helping people stay afloat without sinking deeper into debt traps.

      So yeah, while I absolutely agree we need to be careful about the "everything is a loan" trend, schemes like this are more about giving people a safer option when life throws unexpected expenses their way.

      • Dyl on 28/04/2025 - 12:58

        This scheme itself seems positive as it's not preying on consumers (ie I assume they implement safe lending criteria well, and there's no fees / traps), but at the end of the day any loans of this nature for consumer products or education push up prices for other consumers paying outright sadly. The government lately seems to just have a stance that everyone should just go into debt and live that way, relying on even charities now to provide the debt. I strongly believe education should be free though, so I'm quite bias maybe. I hate the idea of anyone needing debt to pay for education. We pay tax dollars later on to cover the cost… Benefits the country as a whole as everyone is more skilled.

        Definitely a lot better than any other loan options though, no question about that

        • liamisred on 28/04/2025 - 19:29

          Look, I see your point on a macroeconomic scale but where I'm from there's a free tafe list from the state level, a free tafe scheme potentially from another federal government and this can combo so you can get materials that you need (rego,car repairs, laptops, a basic working phone). I don't think these use cases which is the majority of what I see used are unreasonable use cases for debt given the alternative is sh1t.

        • liamisred on 28/04/2025 - 19:31

          Like yes pay should line up/be above with inflation sure agreed to not have debt but I don't think debt is the problem, it's a symptom of alot of other bigger issues.

      • McMaferMur on 29/04/2025 - 17:42

        no, this doesn’t involve a credit check and it won't show up as a traditional unsecured loan on your credit file, so it shouldn’t impact your credit score.

        which is i think a bad thing, we want only people that can pay (ie with good credit) to get the loan. otherwise more and more will get trapped into debt.
        in your example if someone cannot afford $500… instead of giving loan, the better way is to create more job, but that person also need to have willingness to work.

        • liamisred on 29/04/2025 - 21:35

          create more job?

      • MrZ on 01/05/2025 - 21:38

        Wow 1 in 3 people don't have $500 in their bank account(s)?? That's tragic. But if your car broke down and you didn't have the $500, you have more options than the ones you listed. What about using public transport until you've saved up the $500?

  • meowbert on 28/04/2025 - 10:44
    +2

    Great product for those in need. Love it.

  • Nutrino on 28/04/2025 - 16:49

    Thanks op, Took out a loan, was in a desperate need for a RTX 5090….. THANKS AGAIN!…

    • liamisred on 28/04/2025 - 19:27

      You know what, if you gave them a justifiable reason (I don't know CAD design course or something), then good on you enjoy your less shit then a BNPL loan 1/3 of your 5090

  • 2esc on 28/04/2025 - 17:41
    +1

    We have so many in need of assistance now in Australia.

    But i wonder how many charities were about 30 or 40 years ago compared to today on a population comparison.

    The cynical side of me is curious how much the CEOs of these charities are being paid along with how many relatives have positions. There are only a few charities we as a family donate to regularly.

    But every where we turn there's another charity asking for money.

    It feels like another job sector out there a possible career choice not a passion or calling that people use to put their hand up to volunteer for.

    • liamisred on 28/04/2025 - 19:25

      I do it as a volunteer, if you do it salaried, pay is shit all, gotta be in it to want to help and have a passion or you'll soon burnout and quit because it's exhausting

    • tenpercent on 03/05/2025 - 14:23

      Many corporate board member / executive types do it for extra pocket money (easy $200k +) and to pad their resumes.

  • wtigers on 28/04/2025 - 19:03

    Anyone approved for this ?

    • liamisred on 28/04/2025 - 19:24

      eligibility criteria

  • nurbsenvi on 29/04/2025 - 06:26
    +1

    Good program
    But I think a lot of people in these circumstances will be able to pay it back…

  • TheTinMan on 30/04/2025 - 13:29
    +1

    I find it most ironic that the only people to signa up for this program, actually have No Interest in it !

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