A loan for unexpected costs.

When the unexpected happens, we're here to help cover those surprise costs without the stress.

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When life throws you a curveball

Life doesn't always go to plan. Whether it's an urgent repair, an unexpected bill, or another unforeseen expense, an MTF Finance loan can help you get back on track. You can borrow from $2,000 to $50,000 as long as we're confident you can manage the repayments.

How we can help

  • Find the right loan to suit your situation.
  • Tailor repayments to your income, weekly, fortnightly or monthly.
  • Get support from local lending specialists who take the time to understand your needs.

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?

FAQ Mobile

Frequently asked questions

A personal loan is unsecured, and that means you can use it for anything you like. You can borrow between $2,000 to $50,000 and use the money toward unexpected costs such as vehicle repairs or large bills that you weren't expecting - whatever you need.

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 are currently 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’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.