A fair go for everyone with access to interest-free loans.
Access fair, safe and equitable credit through the No Interest Loans Scheme (NILS). NILS are interest-free loans intended to provide individuals and families in need with money for essential items and services to make life easier.
Beware of scammers impersonating Uniting Vic.Tas and Good Shepherd No Interest Loans (NILs) using fake websites, social media profiles and ads. We will never ask you for your myGov sign in, bank details or use social media to contact you or process an application.
No Interest Loans (NILS)
Discover a safe loans program.
Working in partnership with Good Shepherd Microfinance, our dedicated team deliver the no interest loans program across Victoria.
If you’re eligible, you can receive a loan for essential items and expenses.
Funds can be used for:
- Household items like fridges, washing machines, stoves, dryers, freezers and furniture
- Some medical and dental services
- Education essentials such as computers and textbooks
- Car-related expenses including registration and repairs
- Essential vehicles including cars, motorcycles, and mobility scooters (credit check required)
- Mobile phones.
NILS loans can't be used for:
- Emergency relief
- Rent
- Rent arrears
- Living expenses
- Household bills or fines
- Holidays.
Loan Terms
- Loans are from $200 - $2000
- No interest applies for the term of the loan
- Lived at your current address for 3 months
- Repayments are paid fortnightly through Centrepay or other nominated source.
Eligibility
Your eligibility for the NILS program is based on your:
- Income
- Possession of a Health Care or Pension Card
- Need for essential goods or services
- Ability to repay the loan.
