Loans & Services

safe & affordable financial services.

No Interest Loan Scheme (NILS)

Loans of between $300 – $1,500 for essential goods and services such as fridges, washing machines or education expenses

Learn more…

Stepup loans

Low interest loans of between $800 – $3,000 with no fees and affordable repayment periods

Find out more

Financial Counselling

Free and confidential financial counselling services for anyone experiencing financial difficulty.

Get more info

affordable insurance

Simple car and contents insurance with flexible payment options.

Learn More

No Interest Loan Scheme (NILS)

The No Interest Loan Scheme (NILS) provides individuals and families on low incomes with access to safe, fair and affordable credit.

There are no fees, interest or charges.

To be eligible for NILS, you must have a Health Care Card or earn less than $45,000 a year (after tax).

Loans cannot be used for cash, bond, rent arrears, debt consolidation, holidays or bills.

Loans of up to $1,500 can be used for:

Household items such as furniture, fridges, washing machines, stoves, dryers, freezers and heaters
Medical and dental services
Educational essentials such as laptops, tablets and text books
Car repairs and tyres

Find Out if the No Interest Loan Scheme (NILS) is Right For You

Apply For a Loan Today

StepUP Loans

StepUP is a low interest loan for people on low incomes who have difficulty accessing credit from a bank.

You can borrow from $800 – $3,000 with up to three years to pay it back. There are no fees.

To be eligible for StepUP, you must hold a current Centrelink Health Care Card, Pension Card or Qualify for Family Tax Benefit A and have lived at your current address for more than three months.

Loans of up to $3,000 can be used for:

Household items such as furniture, fridges, washing machines, stoves, dryers, freezers and heaters
Medical and dental services
Educational essentials such as laptops, tablets and text books
Second hand cars or repairs

Apply Today

& Find Out if Our StepUP Loans are Right for You

Financial Counselling

Financial counselling is a free, confidential service that provides information, support and advocacy to assist people with their finances.

Financial Counsellors can provide information on a number of topics, including budgeting and managing complex debt issues, and they can advocate with other agencies on your behalf.

To book a phone or face to face appointment, call 1300 148 028.

If we can’t assist you immediately over the phone, we will arrange a follow-up appointment also.

If you can have all your financial papers ready before calling, we will be able to assist you more quickly.

Get in Touch

To Find Out More About Our Financial Counselling Services

Affordable Insurance

Essentials by AAI, developed with Suncorp, allows customers to comprehensively insure their car, their home contents or both.

Customers can also choose to pay premiums annually, or in monthly or fortnightly instalments, and use Centrepay to manage payments.

Essentials by AAI has won awards for innovation at the Australian Insurance Industry Awards the Canstar Awards, Money Magazine Awards and the AB+F Insurance Awards.

Find out more about Essentials by AAI at www.essentialsbyaai.com.au

Enquire About Our

Affordable Insurance Options

Prefer to talk to someone in person?

CONTACT YOUR LOCAL STORE FOR A CONFIDENTIAL DISCUSSION

Supported by:

APPROVED PURPOSES ONLY (NO CASH LOANS)

Good Money is a joint community partnership between Good Shepherd Microfinance, National Australia Bank (NAB) and the State Governments of Victoria, Queensland and South Australia.