How repayments work

We offer flexible terms so your repayments can fit your cash flow. And if you want to pay your loan off early, you can do that too.

Read more about making loan repayments

Protect yourself from the unexpected

Payment Waiver

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

Read more about Payment Waiver

Mechanical breakdown insurance

We offer mechanical breakdown and motor vehicle insurance packages to protect you from unexpected expenses. The cost of these options can be included in your repayments.

Read more about mechanical breakdown insurance

Responsible borrowing

As a borrower, it’s important to know if you can afford to take on a loan.

The NZ Federation of Family Budgeting Services (NZFFBS) has created the Code of Responsible Borrowing. It sets out the things you should do before and after entering a credit contract. It may help you avoid penalties, repossession, stress and heartache.

Visit the FinCap website for more information and advice.

Cost of borrowing

Interest rates

For loans secured against an asset, such as a vehicle, our interest rates range from 11.70% to 23.70% per year. Unsecured loans range from 14.20% to 24.20% per year. Both types are fixed for the term of the loan. The interest rate for your loan depends on a number of factors, including your:

  • income and spending information
  • credit score provided by credit bureaus and other third parties
  • credit history with us if you’re a previous customer.

Read more about our rates and fees

Standard terms

We’re transparent about what is in our contract. These are the standard terms for all of our finance products.


Prescribed disclosure statement

Supplied in line with Financial Markets Conduct Amendment Regulation 2020.

Consumer protection laws

The following consumer protection laws and guidelines apply to your loan with us:

Complaint or concern?

If you have a complaint or concern about a product or service we provide, follow these steps to find a solution.

  1. Contact the person who sold you the product or provided the service.
  2. If they can’t help you, contact our friendly customer support team.
  3. Refer the dispute to the Insurance and Financial Services Ombudsman (IFSO) if you’re still not satisfied with the response.
Stylized icons representing assistance or dialog

Need help?

Call, email, or drop into your local MTF Finance office for a friendly chat.

Contact us