No Interest Loan Scheme (NILS) | The Salvation Army

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No Interest Loan Scheme (NILS)

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Eligible applicants can apply for a No Interest Loan (NILS) for up to $1000 for a maximum of 18 months. 

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.

To enquire about a NILS loan, please use our enquiry form, phone 0800 854 009 or contact one of our centres listed below.

North Island

South Island

The Salvation Army will monitor loan repayments, providing support and financial education throughout the life of the loan.

NILS is a community-focused initiative of Good Shepherd Microfinance. In New Zealand, NILS is supported and delivered by Good Shepherd New Zealand. 

More information

Visit the Good Shepherd website for more information on NILS loans.