No Interest Loan Scheme (NILS)

Loans you can actually afford

Can’t afford to replace your broken fridge? Is your car in need of repairs to get you to work? Many people have moments like these.

Money stress can make us consider solutions that might not be ideal. Renting appliances or getting a quick cash loan may seem like easy options but they’re very costly, with hidden interest rates and extra fees.

No Interest Loans are a smart loan option to help you manage your money. Borrow up to $2000 for essentials such as appliances or furniture, to help you get your car back on the road, pay for education fees and equipment or help you cover the cost of goods and services to support your wellbeing.

Borrow up to $3000 for some special purposes such as bond to secure a new property, or for recovery from a natural disaster.

The Salvation Army is an accredited provider of the No Interest Loan Scheme by Good Shepherd Australia New Zealand.