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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. Our Good Loans team 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.

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 talking to one of our Good Loans team. Find contact details below.


Choose which loan is right for you, then fill out the paperwork with help from our Good Loans team.


Our Good Loans team will assist you with your options (including managing existing debts).


Our lending team will assess your application & make sure your loan payments are manageable.


If approved, we will pay the supplier 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).

We are currently not taking new enquiries.

Unfortunately due to high demand we are not able to take new enquiries at the moment. We sincerely apologise for the inconvenience.

If you need urgent financial assistance please contact MSD or go to MoneyTalks to find your nearest financial mentor.

For all regions except Christchurch

0800 466 370

For Christchurch residents only

0800 28482 669

Or you can enquire using our online form:

Good Loans rights and responsibilities

Good Shepherd New Zealand and the community organisations who work with us to deliver Good Loans take your rights very seriously.

Set out below is what you can expect from us and what we expect from you.

Additional information

Good Loans terms and conditions

Terms and conditions summarises important information relating to your Good Loan.

These form part of our loan offer so we recommend you take some time to read them.

Good Loans privacy statement

This explains what happens to your personal information when you enquire about or participate in the Good Loans programme.

Call Nationwide toll free

Christchurch toll free

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



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
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Need urgent help?

If you need support with Cyclone Gabrielle or the recent Auckland floods, there are a range of Government grants and supports you could be eligible for. 
These are designed to meet short-term,
urgent needs, and could be more suitable than applying for one of our Good Loans.
See below for more details. 
Our thoughts are with those who have been affected. 

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