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 NZ driver licence
Proof of address
Bank statements showing the last 90 days
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, hold a valid New Zealand driver licence, and have regular income.
What can I use my loan for? Everything you need to have a comfortable, safe and enjoyable trip. You can borrow between $2,000 to $30,000 and use the money toward flights, accommodation, food and drink, activities, insurance and souvenirs - whatever you need.
Can I start repaying my loan after my holiday? We’d recommend organising your loan early in the planning process, so you know exactly how much you have to work with. We’ll work with you to tailor your payment schedule to suit your needs, and set up your direct debit to make the process easy.
What if I need to 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? The majority of MTF Finance offices nationwide 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 currently 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 home improvement 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 resident over 18 years of age, have a valid New Zealand driver licence and a regular income, you can apply with MTF Finance.
Frequently asked questions
How it works
It's only three easy steps to apply with us.
Apply online, call, or drop into see us.
Talk with us
We’ll work with you on a loan that suits your needs.
Share some supporting documents, and we’ll get right on to it.