Do you


With us you pay no more.

No Fees. No Charges. No Interest. Find out more about how Mary MacKillop Today can help you with a No Interest Loan (NILS).

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What is NILS?

Mary MacKillop Today’s No Interest Loan Scheme (NILS) is an accredited program that was developed by the Good Shepherd Sisters in 1981. The loans do not attract interest and there are no fees. Loans are for up to $1500 and the loan term is for 12 to 18 months.

Watch the video to find out more!

What is NILS for?

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NILS loans can’t be used for

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Who can apply?

People who…

1. Have lived at their previous or current home for 3 months or more.

2. Have a current Healthcare Card or Pensioner Concession Card or are a low income earner (earn less than $45,000 before tax or less than $60,000 after tax for a couple or people with dependents).

3. Have the willingness and ability to repay the loan in small fortnightly repayments.

How do I apply?

1. Contact our Financial Inclusion Officers

2. Gather your documents and meet or speak with us face to face or over the phone to apply.

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StepUP Loans

StepUP is a low interest loan for people on low incomes who have difficulty accessing credit from a bank.

You can borrow from $800 – $3,000 with up to three years to pay it back. There are no fees. Mary MacKillop Today can assess your application for a StepUP loan. StepUP Loans are supported by Good Shepherd Microfinance and NAB.

Budgeting help

Need help with your finances? Mary MacKillop Today may be able to help you with your budget. Make an appointment with one of our Financial Inclusion Officers today!

We also hold regular budgeting workshops. Register your interest here and we’ll notify you when there’s a workshop near you.

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About Us


Mary MacKillop Today…

was formerly known as The Josephite Foundation and continues to be a ministry of the Sisters of St. Joseph of the Sacred Heart. Together we are continuing the legacy of Saint Mary MacKillop and Julian Tenison Woods.


Contact Us

Mary MacKillop Today NILS and StepUP has offices in five locations in rural New South Wales, however, we are able to help you no matter where you live in Australia. So contact our friendly team today!



The Scotts Centre,
82-86 George Street
Ph: (02) 6331 2010


Room 5, 2 Roy Street Lithgow
Mobile: 0413 243 117


Hilltops Community Hub
2C Campbell Street
Young. Ph: 02 6382 6328 or Mobile: 0413 240 743 E:


Information & Neighbourhood Centre,
15 Vaux Street
Ph: (02) 6340 1100 or Mobile: 0413 245 228


Veritas Hous, 29-31 Sale Street, Orange
Mobile: 0427 170 595


make an enquiry

Want more information? You can drop into any of our offices or you can send us an email or call us on: (02) 6331 2010 - we’re here to help in anyway we can!

book an appointment

Book here to apply for a NILS or StepUP Loan by arranging to meet or speak with any of our Financial Inclusion Officers or to discuss any of our services.

budgeting workshops

Sign up here for our budgeting workshops so we can let you know when and where our next workshop is. Need one on one assistance? You don’t need to wait - call us!

October 2018

“Without No Interest Loans Scheme (NILS) I wouldn’t be here now (in a new home). I wouldn’t have been able to afford these things I needed. It has enabled me to set up myself here. Without access to NILS I would have had to go into a home, now I will be able to stay here and be comfortable.”

- Susan, who overcame her barrier to independence through the No Interest Loan Scheme.