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.

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:
NILS loans can't be used for:

Loan Terms


Your eligibility for the NILS program is based on your:

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Get in touch

We’re here for you.

Talk to our team about your options.

Call us on
1800 002 992