Loan Services

“Since paying off [my first loan for a washing machine], I have also got and paid off loans for a fridge and a television. I have learnt to budget and live within my means. I have learnt there are good people out there that don't judge and that my past does not define who I am now.” -GoodLoans receipient

Everyone deserves to feel in control of their financial wellbeing. At Aviva, we can support your journey towards a financially secure future with our no interest loans.

About our loan service

Aviva offers Good Shepherd NZ’s Good Loans. These are no interest loans for people on limited incomes. Loans are provided in partnership with the Ministry of Social Development. We use Credit Sense when processing the application to get 90 days of bank transaction information. 

These loans are a form of microfinance, meeting the needs of people who are financially excluded from mainstream financial services.

If you want to find out about applying for a no- or low-interest loan, get in touch with our Good Loans team.  Email or phone us on 0800 AVIVA NOW (0800 28482 669) to make an enquiry or go to to find out more.

Who can apply for a no interest loan?

Access to a loan may be available to you if you are a Canterbury resident on a limited income, and answer yes to the following questions:

  • Have you lived at your current address for three months or more?
  • Do you want to buy an essential item or service?
  • Do you have enough flexibility in your budget to repay a loan?

To find out if you are eligible for a loan, get in touch with Aviva’s Good Loans team.

Email us

What can I use a loan for?

If you are eligible for a loan, you will need to agree its purpose with our Aviva Community Finance Worker before it is approved. Loans have been used for:

  • Furniture
  • Second-hand cars
  • Car repairs
  • Whiteware (such as fridges or washing machines)
  • Heat pumps (if the house is owner-occupied)
  • Adult education
  • Scooters
  • Technology e.g. computers
  • Debt consolidation

Rental bond support may be available for clients of Aviva or our partner agencies. Loans cannot be used for existing debts or ongoing costs such as electricity.

Contact the team

For more information about a loan contact Aviva's Goodloans team by email or phone us on 0800 AVIVA NOW (0800 28482 669) to make an enquiry.

Enquire about a loan

If you are interested in applying for a loan, please click here.