Travel and holiday loans.

Places to go, sights to see? Get to where you need to be with a personal loan from MTF Finance.

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A world of opportunities awaits

Whether you’re embarking on the trip of a lifetime, the big OE, a long overdue family holiday or you’re exploring what New Zealand has to offer, a loan from MTF can help you get there.


A trusted partner on your journey

With a score of 4.9 out of 5 on Trustpilot, you can trust us to help get you on your way. We’ve been helping New Zealanders do more since 1970.


Finance that's flexible and hassle-free

Borrow up to $50,000 with a great rate tailored to you. Our unsecured personal loans have fixed interest rates with terms and conditions written in plain English.

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.

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How to apply for a loan

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

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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.

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Talk with us

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

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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

Everything you need to have a comfortable, safe and enjoyable trip. You can borrow between $2,000 to $30,000 and use the money toward flights, accommodation, food and drink, activities, insurance and souvenirs - whatever you need.

We’d recommend organising your loan early in the planning process, so you know exactly how much you have to work with. We’ll work with you to tailor your payment schedule to suit your needs, and set up your direct debit to make the process easy.

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.