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.
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.
Go in the draw to win free fuel for a year, valued at $5,200 when you take out an MTF Finance loan before 1 March 2024.
Offer of finance is subject to terms, conditions, lending criteria, responsible lending inquiries and checks.