About us


Speckle offers a brighter alternative when you need a small loan for life's expenses (without the hidden costs). We're an Australian small lender run by a not-for-profit which means all fees and charges go back into keeping costs as low as possible so more people can borrow better.

Speckle was created by Good Shepherd Microfinance (GSM) and National Australia Bank (NAB). Speckle loans are issued by GSM.

How does the partnership work?

Good Shepherd Microfinance bring a long history of putting people first in providing fair and affordable finance. They are most well-known for the No Interest Loan Scheme (NILS) – a safe, fair and affordable loan for people who have problems accessing credit. As a not-for-profit organisation, GSM works closely with local communities to provide access to financial products that meet the essential needs of many Australians.

National Australia Bank (NAB) has joined forces with Good Shepherd Microfinance for over 14 years to help build a stronger and more resilient Australia, providing more people with access to appropriate and affordable financial products and services.

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