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Affordable Finance

No Interest and Low-Interest loans offer affordable finance to people on low incomes. There are no credit checks, and minimal eligibility requirements.

To find a local provider, contact 13 64 57, or visit Good Shepherd website here.


NILS (No Interest Loan Scheme) operates through community organisations.

Who Qualifies: Low income earners or health care card holders

Loans: Of up to $1200

Repayment Period:  12 – 18 months

Fees & Interest: None

Money Lent For: Essential household goods or services, medical or educational needs.


StepUP  -  low interest loans through accredited community organisations in conjunction with NAB bank.

Who Qualifies: Health Care card holders , Pension Concession card holders, Low income earners.

Loan: Of up to $3,000

Repayment Period: between 6 months and 3 years

Interest Rate: 5.99%, with no other fees

Money Lent For: Household  goods or services, medical needs, cars or car repairs.