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.

NILS Location Map

Use the map below to find your nearest NILS provider or call 0800 466 370.

Enquire about a NILS loan now

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
With NILS, there's no interest. You only pay for what you get. - Marisol


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.

I was very relieved that I could get these items and then pay them off at an amount I could comfortably afford. - Ray

Find your nearest provider

When I found NILS I was overjoyed as there is no interest. - Rhonda