Good Loans

Covid-19 financial relief

We have repurposed our NILS no interest loans for people who are financially impacted by Covid-19.

Our eligibility criteria will be applied to your situation right now.

A list of other financial support that’s available can be found here.

We can now provide over the phone:

  • Loans for urgent financial relief such as bills and debts;
  • Flexible payment arrangements as your situation changes, like deferred first payments and longer loan terms;
  • Support to revise your budget and access other Covid-19 financial support offered by government, banks and utilities providers.
  • Support for people on work visas.



These loans are to help New Zealanders to improve their quality of life and are provided on a not-for-profit basis.

What are these loans for?

Second-hand cars and car repairs

New household appliances such as fridges and washing machines

Computers and tablets

Medical expenses

Course costs and training

Loans can be used for essential good and services, and the above list is a guide only. Your loan worker can discuss suitable loan purposes with you. 

Loan details

  • $300 – $1,500 at 0% interest
  • $1,500 – $5,000 at 6.99% interest p.a.*
  • Term up to 3 years 
  • Repayments are worked out based on your budget and what you can repay
  • No fees or charges

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

How do they work?

  • To be eligible you must currently qualify for a Community Services Card (or live alone on income under $42,106), and have lived in your current home for at least 3 months
  • Contact a loan worker from the list below and make an appointment
  • Attend an appointment to discuss your financial situation and complete your application
  • If the loan is approved, the supplier is paid directly for your item
  • If the loan is not approved, the loan worker can support you with options including re-applying at a later date

Repayment cost examples

Please note, repayment terms on NILS Loans may be extended during Covid-19
Repayments include interest, and are approximate only. Rates are subject to change. *BNZ lending terms and criteria apply.
No interest loan
StepUP low interest loan

I have been able to have a loan that I can comfortably afford to pay back and that has had a big impact on my life.

– Les, bought a used car

Contact your nearest loan worker

North Island

The Salvation Army 0800 854 009



Mt Wellington



Tauranga and Rotorua

New Plymouth


Palmerston North

Wellington and Porirua

Good Shepherd NZ 0800 466 370

All other regions

South Island

Aviva 0800 2848 2669
Presbyterian Support Otago 0800 477 711






The Salvation Army 0800 854 009



Good Shepherd NZ 0800 466 370

All other regions

StepUP Loan only – If BNZ offers you a loan, you’ll have 30 days to confirm the item(s) that you intend to purchase and provide evidence as to the cost. Approved purposes only (no cash loans). BNZ is the lender. 

*BNZ terms and lending criteria apply.