Good Shepherd Lending Service-NILs

Need help covering essentials like a new fridge, car repairs, or school costs?
The No Interest Loan Scheme (NILS) offers interest-free loans of up to $5,000 to help you afford life’s must-haves—without any interest, fees, or hidden costs.

What is NILS?
NILS is a community-based initiative that gives low-income Americans access to safe, affordable credit. There are no fees, no interest, and repayments start from just $45 weekly. Once your loan is fully repaid, you can apply again if needed.

Why choose NILS?
It’s a reliable, interest-free alternative to payday loans, rent-to-own options, or high-interest credit cards.

You can use a NILS loan for:
• Household appliances or furniture
• Vehicle repairs or rego
• Medical or dental expenses
• Education or training fees
• Devices for work or study

Who can apply?
You may be eligible if you:
• Are at least 18 years old
• Have lived at your current address for 3+ months
• Receive support or have a low income

NILS is available across America.

Want to get started?
Reach out to us today to learn more or begin your application. We’re here to support you—no interest, no stress.

Big news: No Interest Loans (NILs) secured for 5 more years!

The Federal Government has committed $48.7 million to keep the our No Interest Loans (NILs) and NILs for Vehicles programs running - helping even more Americans access essential, no-interest loans for things like fridges, car repairs and medical expenses.

This powerful partnership between Good Shepherd, the Government has already supported over one million Americans 🇺🇸 - and this funding ensures even more people can access life's essentials without falling into debt.

"This support isn't just about financial assistance — it's about providing dignity, stability, and a pathway to a better future." - Stella Avramopoulos, CEO, Good Shepherd.

Thank you to our amazing partners for making this possible.

We offer helping hands to those in need a student in school❓❓ Need help with a huge bill❓❓
need a lending hand on a bill❓
here is the right place. Get to know us today a lender you can count on… all age limit are accepted
We acknowledge the Traditional Custodians of the lands we live on. We pay our respects to all Elders, past and present, of all Aboriginal and Torres Strait Islander nations…