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[NSW, VIC, SA, WA] No Interest Vehicle Loans (up to $5000) @ Good Shepherd Australia New Zealand (No Fees)

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[NSW, VIC, SA, WA] No Interest Vehicle Loans (up to $5000) @ Good Shepherd Australia New Zealand (No Fees)
Go to Deal
liamisred on 27/04/2025 - 20:45 goodshep.org.au (1551 clicks)
Last edited 28/04/2025 - 19:42 by 1 other user

Need a car for work or everyday life but short on cash?
Good Shepherd Australia New Zealand is offering No Interest Loans (NILs) for Vehicles — up to $5,000 to buy a car, scooter, motorcycle, or mobility scooter.

✔ 0% interest
✔ No fees or charges ever
✔ You only pay back what you borrow
✔ Funds paid directly to the seller (no cash)
Maximum 48 months (4 years) repayment schedule

What can you borrow for?

  • Cars
  • Motorcycles
  • Scooters
  • Mobility scooters
    (Not available for e-scooters - maybe general NILS loan scheme)
    (please get a mechanic to look over any used car you're looking at buying or ask a trustworthy mechanic what to buy, I know it's expensive but it's better than having to sink all your money into a lemon)

Eligibility:

  • Earn less than $70,000 (single) or $100,000 (family)
    OR
  • Hold a Health Care Card / Pension Card
    OR
  • Experienced family or domestic violence in the last 10 years

AND able to show you can afford repayments
(Note: NILs for Vehicles requires a credit check.)

⸻
How to Apply:
Call 1300 645 748 to find your nearest provider and apply.
Learn more and apply online here - https://goodshep.org.au/services/vehicles/

Important:
Only apply through official Good Shepherd channels. There are fake websites and social media accounts.
Sometimes the main office gets overwhelmed, you can go directly to regional providers in those cases
Provider list (work in progress):

New South Wales (NSW)
Mary MacKillop Today
Offers NILS for Vehicles up to $5,000, repayable over 48 months. Eligible vehicles include cars, motorcycles, mobility scooters, and boats. ​
loansmarymackilloptoday.org.au

Victoria (VIC)
Good Money
Operated in partnership with Good Shepherd, Good Money community finance stores offer NILs for essentials, including vehicle-related expenses, in Victoria.
Bendigo Family and Financial Services

South Australia (SA)
UCWB (UnitingCare Wesley Bowden)
Provides NILs for Vehicles between $2,000 and $5,000 for essential vehicle purchases, including cars, scooters, mobility scooters, and motorcycles

Western Australia (WA)
Anglicare WA
Offers NILS for Vehicles between $2,000 and $5,000 for essential vehicle purchases, including cars, scooters, mobility scooters, and motorcycles. ​
anglicarewa.org.au

Financial Car Loan Loan

Related Stores

Good Shepherd Australia New Zealand
Good Shepherd Australia New Zealand

Comments

  • Splashtash on 27/04/2025 - 21:12
    +9

    They can get hammered quite a bit which makes a massive backlog/stop doing it. Happened last year. Great program ^^

  • bargainatoraah on 27/04/2025 - 21:20
    +4

    What's the catch

    • liamisred on 27/04/2025 - 21:29

      Federal government backed, no catch

    • prolo on 27/04/2025 - 21:27
      +22

      Yeah, this is a semi charitable operation. Not cool.

    • King Steuart on 27/04/2025 - 21:30

      Only 120k? Still renting then?

      • tessel on 27/04/2025 - 21:47
        -6

        Living with parents. Can't afford to move out.

  • starbearer on 27/04/2025 - 21:30
    +22

    Although I'm fortunate that I don't need this service, glad to know it exists. Thanks for posting OP!

    • liamisred on 27/04/2025 - 21:31
      +7

      If you bump into anyone that could be helped by it don't hesitate to mention it, too many people getting (profanity) over by BNPL

      • starbearer on 27/04/2025 - 21:33
        +3

        Absolutely! Thanks for posting all the deals which would be helpful for the less fortunate.

  • bowtiehoon on 27/04/2025 - 21:55

    Just curious, how does this place make money?

    • liamisred on 27/04/2025 - 21:57
      +10

      Charity/Not for profit backed by federal government

    • Oztx on 28/04/2025 - 11:39

      Taxes

      • liamisred on 28/04/2025 - 19:43

        they don't make money with taxes, they're a not for profit/charity organisation

  • spiderbite88 on 27/04/2025 - 22:28
    -1

    Can the repayments be paid via credit card? Would like to earn points.

    • liamisred on 27/04/2025 - 22:29

      To be honest I've never used it myself, just referred people there (and most of them paid back through centrepay so🤷‍♂️)

  • seanbaussie on 27/04/2025 - 22:38
    +6

    My only problem with this is that at least in SA, the quality of a less than $5k car is often somewhere between appalling and really really really really really really really bad. Borrowing money for a car that will need a lot of work is likely throwing money away when the car dies before you pay it off.
    It'd be great if it came with a car choice specialist or free pre-purchase safety checks.

    • liamisred on 27/04/2025 - 22:43
      +5

      You could probably get a 08 toyota for around 5ish grand which isn't the worst thing in the world but broadly agree, even slightly more would reduce cycle of poverty+

    • suzta on 27/04/2025 - 22:51
      -2

      I was thinking the same thing - what kind of vehicle could you get for $5k.

      I bought my secondhand Mazda 2 in 2016 for $10k. It's still mechanically sound but looking a bit rough. It's likely worth more than $5k even though it's 15 yrs old.

      I find the NILS a bit unsavoury. It feels like how I imagine charity was in the 50s: beg us, tell us everything about your situation and in return we may or may not throw you a few (insufficient) crumbs.

      The whole scheme seems to have this 'poor ppl can't be trusted with money/to make good decisions so need to have us superior people help/save them'. Where's the dignity or autonomy?

      • wetsandwich on 28/04/2025 - 09:48

        I had a magna that cost about $1k, granted that was about 7 years ago now, but it was fine apart from needing a new radiator hose at one point.

      • Matt P on 28/04/2025 - 09:52
        +1

        to be fair you can't loan money that the person borrowing may not be able to repay. It may be the person has a few thousand from an old trade in or some savings but this gives them enough to get into something that is less likely to be a liability.

    • oldyellah on 27/04/2025 - 22:51
      +2

      try a Mazda 3 2007ish. quite reliable cars

    • Kommodore on 27/04/2025 - 23:16
      +7

      You can spend more than 5k? I'm sure there are plenty of people with a little bit of savings and with this could get something decent. The loan is up to 5k not the vehicle right?

    • dcep on 27/04/2025 - 23:19
      +1

      Does it has to be 5k car ? or can be 5k loan for a 10k car with 5k cash upfront

      • CocaKoala on 28/04/2025 - 08:38
        +3

        Does it has to be 5k car ?

        Price of the car can be over $5k.

        or can be 5k loan for a 10k car with 5k cash upfront

        Yes.

        • safrane on 28/04/2025 - 10:57
          +3

          Well that certainly helps, here in VIC the quality of cars goes up dramatically when at $6k and above.

    • freeb1e4me on 27/04/2025 - 23:31
      +1

      I think people need to realise that the borrower will likely spend an extra $2-3k of their own money on top of the 5k loan. With that in mind $8k will get you a 2010-2011 Japanese car with approx. 150k km on the clock

      • magic8ballgag on 28/04/2025 - 07:39
        +2

        My bet is that the majority of those looking to borrow up to $5k for a car loan will not have that amount in savings.

        • saveye on 28/04/2025 - 11:48
          +1

          There's the running costs of the car, and all the other associated costs.

  • ltjaris on 27/04/2025 - 23:13
    +1

    I got a Mercedes 09 C class S204 with 150k on the clock for about 3500 last year. Note the car was definitely neglected. But I do my oil changes and got some auto rx online and had literally 0 problems with the engine after doing a few early oil changes.

    Id say you could get a lot of car for 5k.

  • alteclan on 28/04/2025 - 05:44
    +1

    Can you buy something for more than 5k using the money? Also do they check the household income or individual income in a family?

    • liamisred on 28/04/2025 - 07:28

      Yes max 5k loan not car and don’t know give them a call :)

  • GordonD on 28/04/2025 - 08:15
    +2

    There used to be a zero interest home (or anything else) loan financial institution in Sydney. But I believe the consumer protection bodies put it out of business. If they hadn't the huge prices of homes now probably would have anyway. You deposited with it, and got no interest, but depositing put you in the queue for an interest free loan when your turn came around. The smaller amount you wanted, the sooner you got there. What the consumer protection organisations insisted on was that depositors be able to pull their money out at short notice. That left it unable to fund loans, which in turn lengthened the time before you got your loan which meant more people pulled their money.

    People don't realise the huge amount of interest they pay over the decades of a home loan, and how much quicker they could pay it off if there was no interest.

    The other possibility in that direction is a traditional Islamic bank. People don't know that the reason Jews got the reputation they did in regards to money was that in the Middle Ages the various religious laws meant Christians couldn't charge interest, but Jews could, so they ran the only banks that financed the people who needed money. And strict Islam still has those rules against charging interest that the Christian world abandoned as religion became less important in peoples lives. Its pretty hard business model to make work in a modern capitalist world, and the abandonment of the religious prohibition on charging interest is probably what enabled the transition to capitalism. And industrialisation. And global warming.

    • wetsandwich on 28/04/2025 - 09:50
      +3

      "People don't realise the huge amount of interest they pay over the decades of a home loan, and how much quicker they could pay it off if there was no interest."

      Y-yeah, I dont even notice that $2k+ per month, its only about half my pay, very easy to miss 😅

  • M00Cow on 28/04/2025 - 08:52

    Don't tell the News Corp press, or tomorrow's headline will be Albo, Teals & The Greens Subsidising Woke anti-Semitic Immigrant Terrorists To Attend Welcome To Country Ceremonies

    • liamisred on 28/04/2025 - 12:43
      +1

      grrr those woke domestic violence victims and poor people

  • ozbargainerlife1 on 28/04/2025 - 09:30

    Do they do a credit check

    • CocaKoala on 28/04/2025 - 11:04

      I hope so.

      • liamisred on 28/04/2025 - 12:43

        It's noted in the deal

  • burns13 on 28/04/2025 - 11:41
    +2

    Sounds like a brilliant service.

  • JamesLu on 28/04/2025 - 14:26

    Does it only apply to permanent residence?

  • rhino86 on 28/04/2025 - 16:37
    +1

    Regardless of the make or model of used vehicles.
    All driver seats are prone to wear and tear. Seen / had too many used vehicles with the right side depressed.
    Consider new seats when purchasing any used car. Even the Mazda 2018 BT50 have horrible seats crumbling your posture, but the leather version came with lumbar support. Standard did not.

    Same for motorcycles, regardless on your wants, aesthetically pleasing, rumbling exhaust sounds. The correct posture setting for you will save on recovery time, medical bills wondering how come when I drive that car or ride that bike I am not well after. Correcting the posture setup on your vehicle, for your body is best practice. But do we practice best practice…

    Road worthies are not all equal. Strong suggestion!! Get your own mechanical check and inspection performed. It will save you time and money in the near or later future.

    There are old 20-25+ year models that still out perform mechanically for quality. Toyota! But some models had/have terrible problems, others have stella performance to this very day with over 220k on the clock. Everything is exposed to entropy so expect some parts and components will need replacing beyond the usual maintenance.
    Some Magna's had good paint jobs which lasted, some, most did not. Then there is corrosion…

    Update:
    Oh yeah that global warming thing. Your getting a fossil fuel burner, if the exhaust is black your a dirty ****. Buying cheap dirty petrol fuel or diesel.
    Soon as I use BP fuel, the exhaust becomes light grey in colour after two top ups. Costco is cheaper but it burns dirty, going to darker grey and eventually light black if i kept going there weekly.
    Running BP 98 I barely can notice any soot on the R1, it burns clean, burns a lot mind you but run some E85 blend in it on intervals to reset the carbon build up.
    When your vehicle burns clean and efficient, it still a mobile heater, but doesn't emit sooty particles to like all diesel fossil fuel burners. So ask yourself, do I need that delivery truck sounding 4x4 or can I hire one for getaways 2-4 times a year. Instead of copying everyone else in the family / suburbs.

    • Agret on 29/04/2025 - 09:37

      I've got a 1999 Magna that i've neglected over the last 2yrs so it is really rough now but the cars are very reliable. Trip computer still works, cruise control a bit tempermental to turn on/off but once it's on it works fine, aircon blows cold still. Biggest negative in a magna is the gearboxes don't age that well. Mine is luckily still good for the most part, car is on 265,000kms. Well, the real biggest negative if you are trying to get a cheap car is the V6 in them is quite thirsty mine averages around 13-13.5L/100km. I would probably suggest for a cheapy V6 somewhere around a 2008 Toyota Aurion.

  • Frantic on 29/04/2025 - 20:20

    Will they loan me to get a nice pair of bose noise cancelling headphones to block my noisy neighbours?

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