Victorians suffering financial hardship may be eligible for a no interest loan for the purchase of essential good and services.

Good Shepherd Microfinance offers affordable financial programs for people on low incomes.

The No Interest Loan Scheme (NILS) provides access to fair and safe credit (up to $1,200) for the purchase of essential goods and services.

StepUP is a safe low interest loan for amounts between $800 and $3,000. Loans are provided through the National Australia Bank (NAB).

To be eligible for a loan, you must:

  • Have a Heath Care Card or Pensioner Concession Card and
  • Have lived at your current premises for more than three months and
  • Demonstrate a capacity to repay the loan.

Loans are not for cash.

For more information and to apply

NILS: phone 13 NILS (13 64 57) or visit the NILS website .

StepUP: visit the StepUp website .

NILS and StepUP are delivered through community organisations in 650 locations across Australia. Find your local provider on the Good Shepherd website.