Compare Loans

We offer a range of no interest, low interest and online cash loans for amounts of $200 to $3,000. Our loans can be used for essential goods and services, such as white goods, furniture, education costs including computers, uniforms, and text books, as well as car expenses, medical and dental services.


Which loan is right for me?

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.

  NILS StepUP Loan Speckle
Type of service

No interest loan

Low interest loan

Cash online loan

  • Health Care Card holders
  • or low-income earners
  • Health Care Card holders,
  • Pension Concession Card holders,
  • or Family Tax Benefit Part A
  • Must be earning a minimum gross income of $30,000 not inclusive of government benefits such as Centrelink,
  • Should have no more than 50% of total income from government benefits,
  • Can’t have had two or more small amount credit contracts e.g. payday loans in the last 90 days

Up to $1,500

Up to $3,000

From $200 up to $2000



5.99% per annum fixed interest rate (comparison rate 5.99%* p.a.)

  • Establishment fee of 10% of the initial loan amount,
  • Monthly fee of 2% of the initial loan amount

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

Process of application

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

Period of time

Repayments over 12 months

Repayments over 6 months to 3 years

Repayments up to 12 months

  Find out more Find out more Find out more

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