Our loans can help New Zealanders on low incomes to get through a tight spot.
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 $3,000) can help you pay off high-interest debt that’s getting on top of you, while our GetAhead Asset Building Loan (up to $2,000) 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.
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.
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.
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.
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.
Presbyterian Support Northern
As a provider of budgeting and total money management services, PSN has supported Ngā Tāngata Microfinance since we began, and strongly supports ethical, affordable financial services for those on low-incomes.
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.
New Zealand Council of Christian Social Services
NZCCSS is a founding member of Ngā Tāngata Microfinance. Its members help to practically support the roll-out of ethical and affordable financial services for low income New Zealanders through all of our communities.
Child Poverty Action Group
CPAG is an independent charity working to eliminate child poverty in New Zealand. One of the founding members of NTM Trust, CPAG supports our goal of offering a fair alternative to fringe lending – safer, affordable credit.
JR McKenzie Trust
With a focus on working towards a more socially just and inclusive Aotearoa, especially for Māori and disadvantaged children and their families, J R McKenzie Trust has provided funding for administration and support to NTM Trust.
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.
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.