Our loans can help New Zealanders on low incomes to get through a tight spot.

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We offer fairer, kinder, interest-free loans to New Zealanders who’ve hit a tough patch and don’t know where to turn.

Our GetControl Debt Relief Loan (up to $5,000) can help you pay off high-interest debt that’s getting on top of you, while our GetAhead Asset Building Loan (up to $3,000) can help you pay for the essential things you need.

Or you may be eligible for our GetSet Loan, a combo of both loans (up to $3,000).

Plus, a financial mentor will coach you on how to get ahead with your money as well as help organise your loan – so you’ll have fewer tight spots in the future.

Why our little loans are fairer and kinder

  • We’re a non-profit

    As a non-profit, we have your best interests at heart rather than charging high interest. We know how stressful it is having bills flooding in – or trying to pay off crippling, high-interest loans – so we’re here to help.

  • Our loans are interest-free and fee-free

    They’re designed to help you to get on top of your money, so that high interest doesn’t get on top of you. You just pay off the amount of the loan, with absolutely no interest or fees.

  • We help you get ahead

    Your financial mentor will coach you on how to improve your money skills and help you set up your loan. That way, you’ll feel less stressed and more in control.

  • We’re not a big bank, but we’re backed by one

    Our loans are backed by our financial partner. Kiwibank. Like us, they’re big believers in doing what’s right and helping Kiwis to get ahead financially, so you know you’re in good hands.

Feeling financially stressed? Apply for help

We can help you if...

You’re a New Zealand citizen or permanent resident?

You’re eligible for a community services card

You’re happy to work with a financial  mentor


Meet Sonam, who used a GetControl Loan to get back on her feet financially.

At age 28, Sonam discovered she was pregnant to her long-term partner – however, he didn’t want the baby at the time and was planning to leave the relationship. On top of that, her family couldn’t support or help her as they don’t live in New Zealand and their Visas were rejected when trying to come here for her baby’s delivery.

“I had to go on the ‘single mum’ benefit. I was very grateful for it, but it wasn’t enough,” she explains. “I had previous debts from when I was working – things like the car, insurance – all of the things that come with life and children.”

Fortunately, WINZ put her in touch with a financial mentor at Pakuranga and Howick Budgeting Service. He recommended that Sonam apply for a GetControl Debt Relief Loan from Ngā Tāngata Microfinance – and helped her with her application.

Read Sonam’s full story

Our amazing partners and supporters


Kiwibank provides the capital that Ngā Tāngata Microfinance lends to our customers, and has provided technical and commercial support to Ngā Tāngata Trust to help us establish our much-needed services.

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FinCap provides support and advice to nearly 200 budgeting centres and over 2000 financial mentors and is an essential partner in helping clients to access Ngā Tāngata Microfinance’s services.

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Booster Foundation

Booster Foundation helps New Zealand communities to improve their financial resilience and reduce inequality. Booster supports Ngā Tāngata Microfinance’s ‘My Money Kete’ programme.

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Good Shepherd New Zealand

Good Shepherd is committed to supporting microfinance in New Zealand. They provide systems support and encouragement, helping us to grow and assist even more New Zealanders.

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Ministry Of Social Development

We are pleased to have the support of the Ministry of Social Development as part of our service to provide fair, interest-free financing to low income New Zealanders, and to help our clients improve their financial literacy.

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Auckland Foundation

The Auckland Foundation’s Grassroots Giving Programme supports Auckland community groups and charitable organisations that prioritise whānau/families that experience disadvantages across generations.

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The Good Registry

The Good Registry gives thousands of New Zealanders the power to do good, with donations to causes they care about (like Ngā Tāngata Microfinance), instead of unnecessary or unwanted gifts.

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Nikau Foundation

Nikau Foundation’s mission is to build reliable funding streams for long-term community transformation. It does this by supporting organisations such as Ngā Tāngata Microfinance who work directly with communities throughout New Zealand.

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Foundation North

As a funder of large and small community initiatives, Foundation North supports Ngā Tāngata Microfinance to help improve the financial stability of families and whānau living in Aotearoa New Zealand.

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The Rātā Foundation

The Rātā Foundation strives to support communities so that nothing gets in the way of its people being able to make the most of life. They have supported Ngā Tāngata Microfinance in their community outreach work in the upper South Island regions.

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