Hepburn Community No Interest Loans Scheme

NILS® is a model of the No Interest Loan Scheme developed by Good Shepherd Youth and Family Service with a specific philosophy based on social justice principles. 

The NILS programs offer alternatives to people facing barriers in accessing low level credit on fair and reasonable terms, and have a commitment to upholding an individual’s dignity and respect with the loan payment arrangements being based on a person’s capacity to repay.

Hepburn Community NILS will adhere to the Common Principles and Standards for NILS Accreditation of the Good Shepherd Youth and Family Service No Interest Loans Scheme and the Uniform Consumer Credit Code.


Please contact St Vincent De Paul in Ballarat to enquire about NILS loans





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