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

Reducing disability stress (Debt Relief)
Danny had to give up work some years ago, on advice from his doctor. Solvents that were part of his work environment were causing health issues. Before he left work there was not enough time...
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Access to rental housing (NILS)
Tui’s loan application was for a tenancy bond, so that she and her 5 children could move into their own home after 10 months of living with Tui’s parents in a two bedroom house. Because...
Read more
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

The Nga Tangata Microfinance brochure is now in te reo.


A Gagana Sāmoa translation of our information brochure is now available. Revision coming, please contact Ngá Tángata Microfinance directly.


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.
See more research

Latest Ngā Tāngata Press and Media

The Harm Done from High Cost Lending
More needs to be done to curb payday lenders. From the Dominion Post.
Read more press

Meet some of our people

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.

Ronnie Matafeo

Ronnie Matafeo, chair of the Pacifica Mammas Arts and Cultural Trust was the first registered Pacific Island quantity surveyor. He is an appointee to the Small Business Advisory Group. He is a leading member of the Auckland Methodist Central Parish and works for the betterment of his community.

Brittany Teei

Brittany Teei is a proud Cook Island and NZ Māori woman who was born and raised in Central Auckland. Brittany currently owns and operates KidsCoin. KidsCoin is a financial empowerment technology company that uses digital tools to help children learn important money management skills that last a lifetime. She is passionate about using this channel to raise awareness around financial empowerment for low socio-economic communities, in order to continue to work towards a more equitable future for the communities of Aotearoa.

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.