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

We offer small, safer, 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, while our GetAhead Asset Building Loan (up to $2,000) can help you pay for the essential things you need.

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

Why our little loans are safer 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 help you set up your loan, and coach you on how to improve your money skills. 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

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


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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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.

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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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Good Shepherd Microfinance

Good Shepherd is committed to supporting microfinance in New Zealand. They provide the knowhow, systems, training and quality assurance for our loans, helping us to grow and assist even more New Zealanders.

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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 provides funding for administration and support to NTM Trust.

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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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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.

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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.

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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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