Types of Loans Available


One step forward, two steps back. Unfortunately this is the reality for many low income earners when it comes to applying for and managing credit.

WA NILS is a not for profit organisation here to keep you moving forward. We grant small loans at 0% interest to help those who need it most

  • 0% interest
  • Loans from $200 to $1,500
  • Loans for a varied range of products and services
  • Repaid Loans go back into the community


StepUP is a low interest loan for people who have difficulty accessing credit from a bank. The program is a not-for-profit initiative between Good Shepherd Microfinance and National Australia Bank (NAB) who provide money for the loans.

The loan is by local community organisations (WA NILS in Western Australia) where StepUP microfinance workers assist applicants to collect verification documents and complete the application for assessment at NAB

  • Low 5.99% p.a. fixed interest* and no additional fees
  • Loans from $800 to $3,000
  • Loans for a varied range of products and services



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*Comparison rates are based on a loan of $2,500 over a term of 2 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms and Conditions Apply. Approved purposes only (no cash loans) NAB is the product issuer and is subject to NAB’s credit assessment ©2014 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686