Use the table below to identify which loan meets your needs, then click on ‘find out more’ for application details and to find your local provider.
No interest loan
Low interest loan
Cash online loan
Up to $1,200
Up to $3,000
From $200 up to $2000
5.99% per annum fixed interest rate (comparison rate 5.99%* p.a.)
For essential household items and services – such as fridges, washing machines, and furniture
For cars, car repairs, household items, computers, medical and dental services, etc. Can be used for more than one item
Car repairs, emergency costs, plumbing and electrical expenses, whitegoods and household expenses, school costs and uniforms
Accredited community providers
Accredited community providers with NAB
Available online only
Interview with a community provider
Community provider assists with completing application, then if successful the loan is provided by NAB
Online application with same business day loan disbursement if loan contract is signed by 1:30 pm EST
Repayments over 12 months
Repayments over 6 months to 3 years
Repayments up to 12 months
We also operate Remote Service Delivery (NILS) loans. Please visit Services to learn more about each microfinance services that we offer.
*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
*Good Shepherd Microfinance ABN 36 151 124 408, Australian Credit License Number 492819, trading as Speckle, is the credit provider and product issuer of Speckle loans. Terms and conditions apply. ©2018
Small loans from $200 to $2,000 with repayment options ranging from three months to one year (without the hidden costs).
The LaunchME program is an initiative of Good Shepherd Microfinance and the South Australian Government that supports innovative small business ideas from people in South Australia.
No interest loans up to $1,500 for essentials goods and services such as white-goods, furniture, and education expenses.
Low interest loans of between $800 - $3,000 with no fees and affordable repayments offered in partnership with NAB.
Retail stores offering safe, fair and affordable financial services at prominent 'high street' locations in Victoria, South Australia and Queensland.
Online learning, face-to-face training and webinars that maximise the skills and resources of microfinance workers across Australia.
A buying service which leverages the purchasing power of our national network to access the best prices, quality products and excellent customer service for clients.
A matched savings plan of up to $500 offered to people who have successfully repaid a NILS or StepUP loan, offered in partnership with NAB.
A national program providing organisations with a framework to support the development of a series of practical actions they can take to improve financial inclusion for employees, customers and communities.
Affordable, simple and effective insurance policies for people on low incomes, designed in partnership with some of Australia's leading insurers.