Verified You must apply Income support In-kind support Private or charitable funder

No Interest Loans Scheme

No Interest Loans (NILs)

Paid by Good Shepherd Australia New Zealand (with NAB and Australian Government) · 🇦🇺 Australia

What this pays

The published value, how it is calculated, and whether it is cash or a credit ceiling.

Email and a six-digit code, then €50 a year. No password to forget.

The 3 published rules this programme tests you against — age, income, residency, household and the rest.

The steps, documents and official link are part of the paid plan. Checking how much you're owed stays free.

Exactly what to gather before you start, so nothing sends you back to the beginning.

NILs let you borrow money for essential goods, like white goods or car repairs. You pay no interest, and you only repay what you borrow.

A researcher has read this record against the official page.

Last checked against the official page on 12 August 2026

Source: funder's homepage — the programme page was not found

Report an error Something wrong or out of date? Tell us.

Related reading: How to read a grant eligibility rule

17 more programmes are on the paid plan, with the amount, the rules, the documents and the steps for each.

Department of Social Services / Services Australia

Department of Home Affairs

State and territory Legal Aid Commissions

Australian Government-funded financial counselling sector

Australian Government (delivered by UnitingCare)

Services Australia (Centrelink)

Type	In-kind support
Applying	In person
Deadline	Open all year
Run by	Private or charitable funder
Record	Read by a researcher

Rule changed or link dead? Report it on GitHub — it goes to a real public issue tracker, not a form that vanishes.