Simplify your finances with MTF Finance

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

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.


Local kiwis helping local kiwis do more.

The local lending specialists at MTF Finance will get you sorted with a loan that's right for you.

What you need to apply

If you apply in person and bring these documents with you, we can usually give you an answer on the spot. All decisions are subject to responsible lending inquiries and checks.

Valid passport or NZ driver licence

Proof of address

Bank statements showing the last 90 days

Stylized application forms

Who can apply?

You can apply for finance with us if you’re a New Zealand resident or visa holder over 18 years of age, receive a regular income and have the documents listed above.

What is debt consolidation? 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.
How much can I borrow? 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.
Can I borrow more? 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.
Can all MTF Finance providers offer personal loans? 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.
Is there a fee to settle my loan and can I repay my loan early? As with all MTF Finance loans, you can settle your home improvement 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.
Who can apply? 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.
Frequently asked questions

How it works

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

The team at MTF Finance Mt Victoria
  1. Apply

    Apply online, call, or drop into see us.

  2. Talk with us

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

  3. Get approved

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

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All your wishes could be about to come true!

When you take out a loan before 1 September 2024, you'll go in the draw to win $5,000 cash. Competition terms and conditions apply. Offer of finance is subject to terms, conditions, lending criteria, responsible lending inquiries and checks.

Why choose us

Why our customers trust us to help them to do more.

We’re here for you

Service and support from your local team, tailored to you from start to finish.

Same-day approval

We can usually let you know how much you’re approved for on the same day you apply, subject to responsible lending inquiries and checks.

Locals backing locals

We’re local New Zealanders, and we live and work in your community. A local understanding goes a long way.

We take the stress out of finance

Online or over the phone, we’ll guide you through your options to select what’s best for you.

Star ratings showing we have 4.9 stars out of 5 on Trustpilot and Google Reviews

We're the top-rated finance company on Trustpilot

With over 11,000 customers giving us 4.9 out of 5.

Read our reviews