Ngā Tāngata Microfinance is a registered charitable trust and company that makes interest-free loans as an ethical alternative to high-cost lenders. Our loans are 100% interest-free, with no administration fees or hidden costs.


What people say about us

It no longer feels overwhelming, when I look at financial matters. I've already achieved so much in the one week since receiving the loan. I actually enjoy dealing with it now, even if it's stuff that's difficult or challenging to work through, because I know that I am dealing with it. That motivation to do so & sense of empowerment has never happened before.
Now I feel more relaxed and can handle the loan so it helps me practically and mentally.
We are gonna have quality time with my mokopuna, that’s what I want. I’m not just working to pay the bills anymore.
This process reduced the stress massively, and by the end of each meeting [with the budgeter], we had achieved a lot in getting my finances more under control. This seems to have become a blueprint, as - with the reduction in stress I experienced as we took action in the meetings - I'm now motivated to continue financial action at home.
I had been really stressed and it looked like I wasn’t going anywhere. It was like chasing a rat.
You know, with debt, it gets to that point where you know you can never get rid of it. So thank you. You are that hand up out of the trap.
The feeling of support gives a sense of direction with a positive feeling. With people who care and a sense of understanding I feel blessed.
When I see the Home Direct truck now, I just say to myself "No thanks!!". It also helps that they don't know our address.
Thank you very much for meeting my need when I really needed it. It gave me hope to get it right. It worked with having the right people around to assist me. A satisfying difference to my well being and peace of mind.

Our loans

We offer small loans up to $3,000. The loan purpose can be family well-being or debt relief. To apply for a loan, talk to your financial mentor (budgeting advisor).

See how you can get help

Client Success Stories

Selena’s cell phone (ABL)
Selena’s cell phone was only 18 months old, but had not been very durable. It was the only phone in the house and was shared between Selena and her 3 children. A truck vendor called...
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Family pressures (ABL)
Julie and her partner have family in New Zealand, and her parents are in Samoa. The Budgeting Advisor (Financial Mentor) came to know Julie’s relations first, and noted their frequent use of high interest credit....
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See more client stories

How you can help

We accept donations and volunteers.

To find out how to help us please contact info@ntm.org.nz

How to help

A Gagana Sāmoa translation of our information brochure is now available.


Latest research

Submission to the Select Committee on Credit Contracts Legislation Amendment Bill
Ngā Tāngata Microfinance Trust has made a submission to the Finance and Expenditure Select Committee, on the Credit Contracts Legislation Amendment Bill, June 2019.
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Latest Ngā Tāngata Press and Media

Press Release: Borrow’s pain needs an ambulance at cliff top
As submissions closed in June on the Credit Contracts Amendment Bill, the clarion call from Ngā Tangata Microfinance, FinCap, budgeting services and poverty focussed agencies...
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Meet some of our people

Tupetoa Ronald (Ronji) Tanielu

He is on the board of the FinCap and is their representative with NTM trustees. Ronji Tanielu was born in Apia Samoa and raised in Māngere, South Auckland. Ronji has degrees in law and politics from the University of Auckland and is a dedicated advocate for their South Auckland communities, for Pacific Island peoples and for those marginalised and impoverished people and communities. Ronji has the practical experience in youth and community development, mentoring and government contracting to provide valuable insights into the issues facing Pacific youth and what can be done to support them.

Trevor McGlinchey

Trevor is Ngāi Tahu and is actively involved with his marae. He works for the New Zealand Council of Christian Social Services in Wellington. He is passionate about gaining recognition for how community based social services organisations contribute to building stronger communities.

Craig Manley

Craig has a background as a Chartered Accountant and senior operations executive with exposure to a range of financial services markets in New Zealand and internationally. Craig has over 18 years’ experience in financial services, including roles as a Chief Financial Officer, and Managing Director for a diversified financial services organisation. Craig holds a Bachelor of Commerce and Administration from Victoria University of Wellington, and is a Chartered Accountant.

Meet the whole team

He waka eke noa

“With red and black the work will be complete”

When there is co-operation, if everyone does their part, the work will be complete.