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 Finance 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 Finance will get you sorted with a loan that's right for you.

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 Finance? 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 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.
Can all MTF Finance providers offer personal loans? All MTF Finance 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 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.
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.

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.

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All your wishes could be about to come true!

When you take out a loan before 1 September 2024, you'll go in the draw to win $5,000 cash. Competition terms and conditions apply. Offer of finance is subject to terms, conditions, lending criteria, responsible lending inquiries and checks.

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

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