No Interest Loans for Vehicles (NILS4V) - St Vincent de Paul Society QLD
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    No Interest Loans for Vehicles (NILS4V)

    NILS 4 Vehicles lends up to $5000 interest-free for purchase of an essential vehicle

    Please note, our NILS applications will be CLOSED from 2 December 2022 to 9 January 2023. If you would like to apply for a NILS loan at this time, please contact Good Shepherd on 13 64 57. Please also note Good Shepherd’s offices will be closed from 26 December – 3 Jan and no NILS applications will be accepted at this time. 

    NILS4Vehicles for people and families on low incomes to purchase a vehicle for essential services.


    What is NILs for Vehicles?

    The No Interest Loans for Vehicles (NILs4V) program is a part of the No Interest Loan Scheme (NILS), a community credit program where one loan is repaid so another loan can be given out.

    NILs4V are available from $2000 – $5000 for the purchase of an essential vehicle including cars, scooters, mobility scooters, motorcycles and boats.


    Who can access these loans?
    To be eligible to apply you must be:

    • classified as low income or receive a Centrelink payment
    • over the age 17
    • a permanent resident (or have relevant bridging visa)
    • willing to undergo a credit history check
      • Defaults on your credit history need to be less than $500 and be in a payment plan before applying
      • If you would like to check your own credit history at no cost before applying, you can order a free credit report online.

    Where is NILS available?

    NILs4V currently operates across Queensland.

    What are the benefits?

    NILS4V is designed to help those who would have difficulty in obtaining finance for these critical items from traditional means. No Interest – Pay back only what you borrow. Payments to the no interest loan are via Centrepay or Direct Debit

    How can I find out more?
    For more information about NILs4V, contact 1800 846 643 and select menu option 4 or email

    What is the application process?

    You can download an application form by clicking here.

    For more information on the application process, refer to the image below (click to enlarge)

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