Debt consolidation.

One too many things on the list? Combine multiple debts into a single, manageable loan.

A couple looking at paperwork in a kitchen in front of a laptop

What is a debt consolidation loan and how does it work?

Simplify your finances with MTF Finance

Our debt consolidation solutions are designed to help you simplify your finances by wrapping your loans and credit card bills into one easy repayment. With over 50 years of experience lending to Kiwis, we can help you with just about anything.

We can take the stress away

Why try to juggle multiple loans when you can get them sorted in one? With MTF Finance, you'll get a loan decision on the same day you apply, plus your funds will be available the next business day, subject to responsible lending inquiries and checks. No waiting for days or weeks!

We may save you time and money

At MTF Finance, our specialists sit down with you and tailor an interest rate to your situation. We’ll help you work out what you can afford to repay and how quickly you can do it, which may save you time and money in the long run.

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

Trustpilot

Local kiwis helping local kiwis do more

We help you build a relationship with the same person - your personal lending advisor. Chances are they’re the ‘give us a call’ type, so say goodbye to 0800 numbers and hello to personal service.

Or better still, pop into one of our 50+ offices throughout New Zealand - chances are there's one just down the road.

Man pointing to a laptop with couple looking

Protect yourself from the unexpected

Payment Waiver

You can’t predict when you might be affected by redundancy, illness, injury or even death. Payment Waiver may provide protection if the unexpected happens.

Mechanical Breakdown Insurance

We offer mechanical breakdown and motor vehicle insurance packages to protect you from unexpected expenses. The cost of these options can be included in your repayments.

How to apply for a loan

It's only three easy steps to apply with us.

Icon of computer mouse and man

Apply online or in person

You can start your application online, over the phone or pop into one of our 50+ offices across New Zealand.

Icon of person wearing headset

Talk with us

We’ll work with you on a loan that suits your needs.

Icon of signing a document

Get approved

Share some supporting documents, and we’ll get right on to it.

Ready to go?

Jamie on the customer service line

Frequently asked questions

If you have payments going out for many loans to one or more lenders, you may find that you’re better off turning them all into one loan and one repayment at one interest rate. This may save you money in the long run, as well as time and hassle. MTF Finance can help you determine if this is the best option for your situation.

Depending on your individual circumstance, our unsecured personal loans start from $2,000 to a maximum of $30,000. If you need to borrow more than that, talk to us about a secured loan.

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

All MTF Finance offices nationwide can offer unsecured loans to eligible individuals and businesses. Our nationwide network of approved vehicle dealerships are currently not able to offer unsecured loans.

As with all MTF Finance 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’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.