No Interest Loans (NILS) are small loans with 0% interest and no fees. They are designed to help people on low incomes make essential purchases, including white goods, electronics, medical expenses and even car repairs.
NILS pays the supplier directly. No cash, no stress.
How does NT NILS work
Check your eligibility
Answer a few quick questions below to see if you qualify
Submit your enquiry
Enter your postcode and complete an enquiry form
A NILS provider will contact you to:
Submit your application
Supply an invoice for the items or service you need
We pay the supplier
NILS pays the supplier, and you pay us!
Who is eligible for NILS?
– Earn less than $70,000 (before tax) as a single or $100,000 if you have a partner or dependants
– OR have a Health Care or Pension Card
– OR have experienced family or domestic violence in last 10 years
– AND you can afford to repay the loan (Centrepay available).
FAQs
Is this a cash loan?
No. NILS pays suppliers directly for goods and services
Can I use a NILS loan for bills, utilities, or debt?
No. NILS pays for items or services that you need to buy
What if I can’t repay the loan?
Your provider will work with you to
find a manageable solution
Providers of NILS across Northern Territory:
(08) 8985 0007
Darwin – (08) 8944 2000
Katherine – (08) 8971 0777
Tennant Creek – (08) 8962 3065
Central Australia – (08) 8953 5160
West Arnhem – (08) 8927 2499
Applying for NILS is easy!
Checking if you are eligible to apply for a No Interest Loan is simple.
Just answer a few quick questions about your income, household type, and ability to repay. If you’re eligible, our friendly providers will guide you through the next steps to access the support you need—hassle-free and interest-free. Click below to start.
About NILS
Good Shepherd is a not-for-profit organisation which has been supporting people in need in Australia for over 160 years and delivering NILS for over 40 years.
Our community providers in the Northern Territory work with Good Shepherd to provide safe, fair and affordable credit for essential goods and services, helping people achieve greater financial wellbeing.