Personal loans for just about anything.

Need a personal loan? Your local money expert is here to help. If it's important to you, it's important to us.

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Your local money experts for personal loans

Whatever you need a personal loan for, if it's important to you, it's important to us. We've helped thousands of Kiwis do more since 1970 - and we're not done yet.

Unexpected costs
Unexpected costs
Travel & experiences
Travel & experiences
Renovations
Renovations
Debt consolidation
Debt consolidation
Life events
Life events
Home & living
Home & living
Medical costs icon
Medical costs
Education loans
Education loans

Start with confidence

Explore your options and even start your application - with no impact on your credit score.

I want to borrow

$12,000

$2,000

$50,000

For a term of

4 years

6 months

5 years

I'll repay

Estimated repayments

$0

/ fortnightly

Estimated interest rate from: 0.00%

My credit history is

Total to repay: undefined

Rates & fees

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What's the difference between a secured and unsecured loan?

We offer two types of personal loans - secured and unsecured. With a secured loan, you can borrow between $2,000 to $500,000. And because the loan is secured against a vehicle or other asset, we may be able to offer a slightly lower interest rate.

If you don’t have an asset to use as collateral, an unsecured personal loan might be a better way to go and you can borrow between $2,000 to $50,000 for just about anything.

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Get moving, faster

Start online or give us a call - whatever suits you. Your local MTF Finance team reviews your application and gets the conversation started, with a swift decision to follow.

Protect yourself from the unexpected

Payment waiver

When life throws you a curveball like redundancy, illness or even death, our payment waiver has you covered. Think of it as extra peace of mind for those ‘what if’ moments.

Insurance

We are all about trust here at MTF Finance. And when it comes to protecting your assets, we trust AMI to do the right thing. Talk your local money expert about AMI insurance as MTF Finance customers get great rates and priority service.

Don't just take our word for it

Hear what thousands of happy MTF Finance customers have to say.

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Understand the fine print

We want you to know what you’re signing up for. Learn about your rights and obligations, your loan’s interest rate and fees and how to be a responsible borrower.

What you need to apply

To help make the process quick and easy, it's worth having the below on hand when you start your application. All decisions are subject to responsible lending inquiries and checks.

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Proof of identity and 18+

We’ll need a valid New Zealand driver licence or passport to confirm your identity and at least 18 years of age, and help protect you from fraud.

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Proof of address

A recent document showing your current address helps us confirm where you live and meet our responsible lending obligations.

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Proof of regular income

Recent bank statements allow us to understand your income and everyday expenses, so we can make sure any loan offered is affordable for you.

Ready to go?

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Frequently asked questions

A secured loan means the loan uses an asset as security that can be sold if the loan isn't repaid. An unsecured loan means that even if the loan is for an asset, that asset can't be taken to repay the loan.

If you have more than one loan with us and break the rules of that loan, you may also break the rules of all your other loans. The results can be serious and may include enforcement of security where your other loans with us are secured. The earlier you can let us know that you're having difficulties, the more options we have to help.

Depending on your individual circumstance, our unsecured personal loans start from $2,000 to a maximum of $50,000. If you need to borrow more than that, talk to us about a secured loan.

All MTF Finance offices and select approved vehicle dealers can offer secured personal loans. The majority of our offices can offer unsecured loans to eligible individuals and businesses, so check with your local office or call us on 03 477 0530 to find out how we can help. Our nationwide network of approved vehicle dealerships are not able to offer unsecured loans.

As with all MTF loans, you can settle your loan whenever you want. There is a small fee for settling which changes daily and you can check your account online for the most up-to-date settlement figure. Interest rates and fees vary between loan types.

If you find that the initial loan amount isn’t meeting your needs, talk to your MTF Finance office about borrowing more. Further lending will mean a new contract and a new loan assessment, but we can work through that with you.

If you’re a New Zealand citizen, resident or visa holder over 18 years of age and have a regular income, you can apply with MTF Finance.