Good Shepherd’s
No Interest Loans

VicWISE is proud to be partnering with Good Shepherd and their No Interest Loan Program.

No Interest Loans (NILs) provide international students and graduates on low incomes with access to safe, fair, affordable credit with no fees, no interest ever.

Am I eligible?

International students/graduates are eligible for a NILs loan if you:

hold a valid temporary visa or student visa

earn less than $45,000 a year after tax (single household)

earn less than $60,000 a year after tax (multiple person household: couples or people with dependents)

can show that you can afford to pay the loan back

How much can I borrow?

You can borrow up to $1,500

What can I use NILs for?

These may include:

Technology – Laptop, tablet, mobile phone
Education essentials such as books, computers and tuition fees
Car repairs and registration 
Medical & dental services 
Household items – whitegoods & furniture 

Does not include:






Once approved, Good Shepherd will pay directly to the supplier for the goods and services

Find out more:

Click on the icons to help explain the NILs difference:

How do I get assistance applying for NILs?

VicWISE can help you with your application.