Personal loans for school and education costs.

Help cover school fees, uniforms, devices, camps, school and sports trips, and other education-related expenses.

Hero background

Help with the costs that come with school

School expenses can add up, particularly when larger costs arrive at once. A personal loan could help you manage expenses such as school fees, uniforms, laptops or devices, extracurricular activities, camps, and school or sports trips.

Talk to your local MTF team about what you need and the loan options available.


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

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

An education loan can help cover school-related expenses such as fees, uniforms, laptops or devices, extracurricular activities, camps, and school or sports trips. You can borrow between $2,000 and $50,000, subject to our lending criteria. Talk to your local MTF team if you’re unsure whether a particular school expense can be included.

If you find that the initial loan amount isn’t meeting your needs, talk to your MTF 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 offices nationwide can offer unsecured loans to eligible individuals and businesses. Our nationwide network of approved vehicle dealerships do not 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’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.