What is the Microfinance program?

The Microfinance program provides individuals and families access to safe, fair and affordable credit for essential items and services.

You pay back exactly what you borrow.

The Good Shepherd No Interest Loans (NILs)  

Borrow up to $2000 for essential goods and services including: Household items like appliances, whitegoods & furniture, Car repairs & registration, Medical, dental, wellbeing and life event expenses, Technology like a phone or laptop, Education expenses like fees or uniforms, Employment expenses like licenses or equipment

Borrow up to $3,000 for: Bond & rent in advance, Rates, Costs associated with a natural disaster

Repayments are set up at an affordable amount over 24 months.

UCSA’s microfinance loans are available for up to $800 and cover expenses such as medical related and medication costs, sporting fees and equipment, and yard cleaning.

Am I eligible? 

• Earn less than $70,000 annual income (before tax) as a single person or $100,000 annual income (before tax) if you have a partner or children
• OR Have experienced family or domestic violence in the last 10 years 
• OR Have a Health Care Card / Pension Card 
• AND You can show you can afford to repay the loan

Microfinance loans

Borrow up to $800 and you can request a top-up as the loan is drawn down.

Loans cannot be used for cash, debts or food.

How can I get a Microfinance loan?

The loan process takes place over three stages

• Attend an interview to complete the loan process
• Your loan will then be assessed and you will be notified of the outcome
• Collect your items from the retailer

If you are interested in applying for a microfinance loan click the enquire form below.

Microfinance enquiry form

Call us today for more information - 1300 067 777