Safe Exit

Our no interest Good Loans are designed to help New Zealanders with limited incomes purchase essential household goods and services.

Fair and affordable no interest loans

Good Loans

Focused on long term financial wellbeing

What are these loans for?

The above is a guide only. Your Good Loans Advisor can discuss loan purposes with you. Loans are not for cash or existing bills. 

Our DEBTsolve programme combines specialist debt coaching and advocacy with debt solution loans for unmanageable debt.

Who are these loans for?

You may be able to apply for a no interest loan if your yearly income is less than the amounts listed in the table below: 

These amounts are a guide only.

These thresholds are current as at 1 April 2022 and are subject to change. 

Our loans are designed to help New Zealanders with
limited incomes improve their quality of life

“When you can’t eat what you like, everything is very bleak & dark. The loan has made an enormous, huge difference.”

– Maria, paid for dental work.

“I really liked that they made sure I would be able to keep up with the repayments and not be left in financial strife.”

– Nicky, bought a used car.

“My daughter has health problems & has to go to hospital. Now I’ve got a vehicle to take her to the medical centre.”

– Billy, bought a used car.

How do they work?

1. ASK

Ask about our loans by contacting your Good Loans Advisor Find yours below.


Choose which loan is right for you, then fill out the paperwork with your Good Loans Advisor.


Your Good Loans Advisor will assist you with your options (including managing existing debts).


The loan provider will assess your application & make sure your loan payments are manageable.


If approved, the supplier is paid directly for your item.

How much will I need to pay?

Repayments are examples only. Approved purchases only, paid directly to suppliers/creditors (no cash loans).

Call your local Good Loans Advisor

If you are not able to visit your provider in-person, please call our phone-based team 

We are open from 8:30am – 6:00pm, Monday – Friday.

Repayments are examples only. Approved purchases only, paid directly to suppliers/creditors (no cash loans).

*Good Loans lending and affordability criteria apply.

**DEBTsolve loans may be provided alongside debt coaching and advocacy as part of our DEBTsolve Programme.

Good Shepherd NZ, Bank of New Zealand and Ministry of Social Development


Adult student smiling


Our DEBTsolve programme will help you take control of your unmanageable debt. Our specialist Financial Wellbeing Coach will work with you to understand your situation
More »

Kia ora!

We are experiencing a higher number of enquiries than usual. 
To help our team, we’d appreciate it if you could complete an enquiry form once. 
Our response time is currently 15 working days. 
If you have already enquired, we will get back to you as soon as we can.
Thank you for your patience as we work through our enquiries. 
Ngā mihi,
The Good Loans Team

Coming up...

International Economic Harm Awareness Day

Making a difference

26th November 2022
Join us to celebrate and raise awareness of the work that’s making a difference so people experiencing economic harm can access support when they need it.
We have a range of free resources, stories and tools for you to download and use to help spread the word with friends and whānau. 

Subscribe to our Newsletter


Subscribe to our Newsletter