Find freedom on the open water

An MTF Finance loan makes it easy for you to get out on the water. You can borrow from $2,000 to $500,000 as long as we're confident you can manage the repayments.

What we can help you with

If you’re a first-time boat buyer keen to get out fishing on weekends, or you’re an experienced seafarer looking for a bit more grunt, our team of local lending specialists will help you find the right boat for your needs. With our personalised finance service, we’ll help you get a loan for:

  • fishing boats or trailers
  • sailboats or yachts
  • jet skis or speedboats.
A woman turning around to look at Guardian Guy

Did you know MTF Finance is rated 4.9 out of 5 on Trustpilot?

"MTF Finance has been helping New Zealanders since 1970, which is longer than I've had my learner licence on these wings!"

Apply now

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
Who can get an MTF Finance loan? If you’re a New Zealand resident or visa holder over 18 years of age, hold a valid New Zealand driver licence and have regular income, you can apply for finance with us.
What things can I get a loan for? Whether it drives, floats or flies, we can finance almost anything! We also offer loans for business vehicle and equipment. We can even offer loans for home renovations or that well-earned break, using an existing asset as security. MTF Finance uses the asset you’re borrowing for (or an asset that you own) as a security for the loan. The asset must exceed $2,000 in value and have a serial number. If you have any questions or need more information about this process, just ask – we’ll be happy to help.
How long does it take to get the money? If you apply in person with supporting documentation, we can often transfer funds to you on the same day that the loan is completed. If it is for a vehicle purchase, we can also arrange to send the funds directly to the seller on your behalf.
How much can I borrow? You may borrow from $2,000 to $500,000 as long as you have sufficient security to support the loan and we’re confident you can manage the repayments.
How soon will I know if my loan is approved? To consider your application, you must provide: – A valid NZ driver licence – A bank statement less than 30 days old, in your name, showing transactions for 90 days – A utility bill, bank statement, rates, NZ Government documentation or insurance confirmation showing your name and physical address 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.
What happens when my loan is approved? We’ll talk through the loan document, make sure you understand your rights and obligations under the contract and then ask you to sign it. If you have any concerns or queries regarding the obligations you are entering into, we recommend that you seek advice from your lawyer or accountant before signing the loan document.
Are there any hidden costs? No. The interest rate and all fees are set out in the loan agreement you sign at the beginning of the loan term.
Frequently asked questions

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 10,000 customers giving us 4.9 out of 5.

Read our reviews