Good Shepherd New Zealand


A community focused initiative of Good Shepherd New Zealand


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

Loan amounts are up to $1,000 for essential goods and services such as beds, dining room furniture, lounge suites and fridges.

Loans are not for cash. Repayments are set up at an affordable amount over a set period of time.

Enquire about a NILS loan now

NILS Location Map

NILS is currently available at limited locations across New Zealand.

What are the Loans for?

Loans are available for the purchase of essential goods and services.

These may include:

  • Household items like beds, dining room furniture, lounge suites and fridges
  • Some medical and dental services
  • Educational essentials such as computers and text books
  • Some other item as requested

Top loan purposes

  • Furniture Furniture
  • Computer Computer
  • Electrical Goods Electrical Goods
  • Washing Machine Washing Machine
  • Car Related Car Related
  • Fridge Fridge
  • Dental Dental
  • Medical Medical
  • Bed Bed
Marisol, NILS client from Good Money Collingwood, Victoria, Australia
With NILS, there's no interest. You only pay for what you get. - Marisol, NILS client from Good Money Collingwood, Victoria, Australia


To qualify you must:

  • Be entitled to a Community Services Card
  • Reside in your current premises for more than 3 months
  • Show a willingness and capacity to repay

How Does it Work?

  • 1. Enquire Enquire

    Enquire about a loan.

  • 2. Interview Interview

    Bring your documentation to a meeting with a loan provider.

  • 3. Assessment Assessment

    Your loan application is assessed.

  • 4. Approval Approval

    You are informed of the outcome of your loan application and agree repayment terms.

How Does NILS Work
In your community?

NILS isn’t a payday loan and it’s not a bank loan. NILS works through a process called 'circular community credit'. This means when a borrower makes a repayment to NILS, the funds are then available to someone else in the community.

Ray, NILS client from Bendigo Family and Financial Services, Australia
I was very relieved that I could get these items and then pay them off at an amount I could comfortably afford. - Ray, NILS client from Bendigo Family and Financial Services, Australia


  • Marker Whangarei

    The Salvation Army
    Whangarei Community Ministries
    3-7 Aubrey St, Whangarei

    P: 0800 854 009

  • Marker Glenfield

    The Salvation Army
    Glenfield Community Ministries
    4 Kaiptatiki Road, Glenfield, Auckland

    P: (09) 441 2554 ext 1

  • Marker Waitakere

    The Salvation Army
    Waitakere Community Ministries
    7-9 View Road, Henderson, Auckland

    P: 09 837 4471

  • Marker Mt Wellington

    The Salvation Army
    Mt Wellington Community Ministries
    18 Allright Place, Mt Wellington

    P: 0800 854 009

  • Marker Manukau

    The Salvation Army
    Manukau Community Ministries
    16B Bakerfield Place, Manukau, South Auckland

    P: 0800 854 009

  • Marker Pukekohe

    The Salvation Army
    Pukekohe Community Ministries
    1 Tobin Street, Pukekohe

    P: (09) 238 5641
    Hours: Wednesday, Thursday & Friday 9am - 3:30pm

  • Marker Gisborne

    The Salvation Army
    Gisborne Community Ministries
    389 Gladstone Road, Gisborne

    P: (06) 8689468

  • Marker Palmerston North

    The Salvation Army
    Palmerston North Community Ministries
    431 Church St, Palmerston North

    P: 0800 854 009

  • Marker Hutt Valley

    The Salvation Army
    Upper Hutt Community Ministries
    695 Fergusson Drive, Upper Hutt

    P: (04) 528 6745

  • Marker Porirua

    The Salvation Army
    Porirua Community Ministries
    89 Warspite Avenue, Cannons Creek

    P: (04) 235 6266

  • Marker Wellington

    The Salvation Army
    Wellington City Community Ministries
    22-26 Riddiford St, Newtown, Wellington

    P: 0800 854 009

  • Marker Nelson

    The Salvation Army
    Nelson Bays Community Ministries
    57 Rutherford Street, Nelson

    P: (03) 5484807

  • Marker Greymouth

    The Salvation Army
    Greymouth Community Ministries
    Cnr Tainui Street and Murray Street, Greymouth

    P: (03) 768 5045

  • Marker Christchurch

    The Loft, Level 1, Eastgate Shopping Centre, Christchurch 8062

    P: 0800 AVIVA NOW (0800 28482 669) or
    (03) 378 3847

  • Marker Invercargill

    The Salvation Army
    Invercargill Community Ministries
    110 Leven St, Invercargill

    P: 0800 854 009

Rhonda, NILS client, Victoria, Australia
When I found NILS I was overjoyed as there is no interest. - Rhonda, NILS client, Victoria, Australia