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

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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Accident compounds hardship (ABL)
Eileen had been supported by the budgeting service for 18 months. During this time she had consolidated several small debts. She was working 12 hour shifts for a very low wage. Due to her low...
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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

Claire Dale

Dr M. Claire Dale is Research Fellow with the Retirement Policy and Research Centre at the University of Auckland. She is chief editor and contributing author of CPAG’s publications Our children, our choice: priorities for policy, 2014, and Left Further Behind: How policies fail the poorest children in New Zealand, 2011, and co-author of CPAG’s first publication Our Children: Priority for Policy, 2001.  Claire writes many of CPAG’s submissions on tax, health, welfare and financial sector reform. In 2010 she founded Ngā Tāngata Microfinance Trust in partnership with Kiwibank.

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.

Peter Sykes

Māngere East Family Services Centre has had Peter as their CEO for over 22 years. He has deep and committed ties to the local community assisting people create more interdependence in their lives. He sees Social Enterprise as an effective way to achieve multiple outcomes; to bring together the Enterprise learned in the Private Enterprise sector, and the Social impact sought by the Public sector, and historically located within the Charity and Not For Profit sector.

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.