A loan to help you do more

Our personal loans make getting what you need easy. You could go on an overseas trip, renovate your home or pay off other debt - whatever you need.

Secured and unsecured personal loans

We offer two types of personal loans, secured and unsecured, so you can choose the right loan for you. With a secured loan, you can borrow between $2,000 to $500,000. The loan is secured against a vehicle or other asset, and we may be able to offer a slightly lower interest rate.

Need money but don’t have an asset to use as collateral? An unsecured personal loan could be right for you. With our unsecured loans, we can lend between $2,000 to $30,000 for just about anything.

Clear as crystal or mud? Talk to your local MTF lending specialist about the right option for you.

Secured or unsecured, you can still protect yourself from the unexpected

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

Read more about Payment Waiver

The team at MTF Finance Fraser Street

Local kiwis helping local kiwis do more.

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

Apply now
What’s the difference between secured and unsecured loans? A secured loan means the loan uses an asset as security that can be sold if the loan isn't repaid. An unsecured loan means that even if the loan is for an asset, that asset can't be taken to repay the loan.
What happens if I have more than one loan with MTF? If you have more than one loan with us and break the rules of that loan, you may also break the rules of all your other loans. The results can be serious and may include enforcement of security where your other loans with us are secured. The earlier you can let us know that you're having difficulties, the more options we have to help.
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 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 offices and select approved vehicle dealers can offer secured personal loans. The majority of our offices can offer unsecured loans to eligible individuals and businesses, so check with your local office or call us on 03 477 0530 to find out how we can help. Our nationwide network of approved vehicle dealerships are 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 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.
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

What we finance

Whether it’s a new car or a holiday, the dream wedding or just getting the bills sorted, talk to us today.

Couple looking at printed copies of their finances

Debt consolidation loans

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 up into one easy repayment.
Surfers at the beach

Travel and holiday loans

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 Finance can help you get there.
Man painting the exterior of a house

Home improvement loans

From kitchen renovations to new bathrooms, decks and even pools, we can help.

We can also help you with:
Business assets, Medical expenses and vet bills, Vehicle repairs or projects & Nearly anything!

  • We can also help you with:
  • Business assets
  • Medical expenses and vet bills
  • Vehicle repairs or projects
  • Nearly anything!

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.

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.

Apply now

Why choose us

Here’s some reasons why our customers trust us to help them get what they need.

We’re here for you

Straight-up service, honest advice, and support that’s just a phone call away.

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 people living and working in your community.

We take the stress out of finance

Online, over the phone or in person, we’ll guide you through your options to see 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

Resources

Interest rates and fees

Find out how interest rates work, the standard fees we charge, and understand what borrowing may cost you.

Learn more

Resources

Can’t make your next payment?

Don’t stress, just talk to your local MTF contact as soon as you can. They’ll help you figure out what to do next. You might even be covered already.

Learn more

Read more

Family taking their jet ski out of the water

Secured vs unsecured?

When you start loan shopping, you’ll likely be asked… are you looking for a secured or unsecured loan? What level of risk is involved with your investment? What obligations will you have? Read more...
An MTF Finance team member greeting two people

Personal solutions

As much as we all like to have life under control, stuff happens. Thankfully, those are the times you can lean on MTF Finance to help with a personal loan. Read more...
The word "equity" spelt out on Scrabble tiles

Finance jargon buster

If you’re new to the world of finance, it might seem like we’re speaking another language! We're here to untangle the jargon and make it easy for you to understand the ins and outs of consumer finance. Read more...