Good Shepherd New Zealand

VIEWING NEW ZEALAND SITE

A community focused initiative of Good Shepherd New Zealand

WHAT IS NILS?

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

DO I QUALIFY
FOR NILS?

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

FIND A PROVIDER

  • Marker The Salvation Army

    Glenfield Community Ministries

    P: (09) 441 2554 ext 1
    E: margie_lewis@nzf.salvationarmy.org

  • Marker The Salvation Army

    Upper Hutt Community Ministries
    695 Fergusson Drive, Upper Hutt

    P: (04) 528 6745
    E: jo_ryan@nzf.salvationarmy.org

  • Marker The Salvation Army

    Nelson Bays Community Ministries
    57 Rutherford Street, Nelson

    P: (03) 5484807
    E: jan_cohen@nzf.salvationarmy.org

  • Marker The Salvation Army

    Porirua Community Ministries
    89 Warspite Avenue, Cannons Creek

    P: (04) 235 6266
    E: damien_hazlewood@nzf.salvationarmy.org

  • Marker The Salvation Army

    Pukekohe
    1 Tobin Street, Pukekohe

    P: (09) 238 5641
    E: pukekohe_corps@nzf.salvationarmy.org
    Hours: Wednesday, Thursday & Friday 9am - 3:30pm

  • Marker The Salvation Army Budgeting Service

    Cnr Tainui Street and Murray Street, Greymouth

    P: (03) 768 5045
    E: greymouth_corps@nzf.salvationarmy.org

  • Marker The Salvation Army

    Mt Wellington Community Ministries
    18 Allright Place, Mt Wellington
    P: 0800 854 009
    E: southauckland_loans@nzf.salvationarmy.org

  • Marker THE SALVATION ARMY

    Waitakere Community Ministries
    7-9 View Road, Henderson, Auckland

    P: 09 837 4471
    E: waitakerecity_cfs@nzf.salvationarmy.org

  • Marker Aviva

    Christchurch 8147

    P: 0800 AVIVA NOW (0800 28482 669)
    or (03) 378 3847
    E: nicolae@avivafamilies.org.nz

    *Available to clients of Aviva, Barnados, Family Help Trust, He Waka Tapu, Relationships Aotearoa, START and the Salvation Army

  • Marker The Salvation Army

    Manukau Community Ministries
    16B Bakerfield Place, Manukau, South Auckland

    P: 0800 854 009
    E: southauckland_loans@nzf.salvationarmy.org

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