Get a car for you, or a van for the family

Our car loans make getting the vehicle you want easy. You can borrow from $2,000 to $500,000, as long as we're confident that you can manage the repayments.

How we can help

  • Find the right loan to suit what you want to do.
  • Tailor repayments to your income – weekly, fortnightly or monthly.
  • Find the best interest rate.

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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!"

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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.

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All your wishes could be about to come true!

When you take out a loan before 1 December 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.

Apply now View T&C's

Find your next car

Our nationwide network of dealers can help you find a vehicle that meets your needs and is within your budget.

Find your nearest MTF Finance approved vehicle dealer

Whether you buy from one of our dealers, privately or online, we can help.

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 also 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

After you’re approved for a loan

We'll guide you through the loan contract, help you understand your rights and obligations, and then ask you to sign it.

If you have any concerns or questions about your loan agreement, seek advice from your lawyer or accountant before signing.

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
Vehicle dealer standing in front of vans for sale

Drive your next vehicle away today

MTF Finance approved dealers can organise your loan within an hour, subject to responsible lending inquiries and checks.

Find a dealer
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 $100,000, as long as you have sufficient security to support the loan and we’re confident that you are able to 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 the last 90 days – A bank statement, utility bill, 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? 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

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