Interest Free Loans and Budgeting Support
Money challenges can affect anyone, but facing them doesn’t have to be overwhelming. Ngā Tāngata Microfinance is a small, non-profit organisation focused on helping financially vulnerable New Zealanders get ahead with money.
We provide ethical, zero-free loans that give Kiwis a ‘hand up’, not a ‘hand-out’, along with free budget support to help you feel more confident and in control of your money. Our mission is to make sure every New Zealander has access to safe, fair and affordable finance – helping more people feel financially included, capable, and free from the traps of predatory lending.
Little Loans
Our Little Loans offer interest-free, fee-free financial support of up to $5,000 for life’s essentials or to help manage existing debt – without making things worse. It’s a breathing space that let’s you get back on your feet, on your own terms.
Note: You will need to complete three sessions with a financial mentor before you can apply for a loan.
My Money Kete
My Money Kete is a free money toolkit packed with workshops, workbooks, financial mentor support and more – everything you need to understand your spending, plan ahead, and feel more confident with your money.
If you want to reduce debt and get ahead with your finances through practical support, My Money Kete is for you.
A fairer, kinder approach to money, budgeting and finance management
As a non-profit, we put your best interests first. Whether you’re looking for practical budgeting support or a small loan, our focus is on helping you manage your money without adding stress or pressure.
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.
Our financial mentors provide personalised, ongoing support – helping you apply for a loan, build money confidence, and work towards your goals, so you feel less stressed and more in control of your finances.
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.
We can help you if...
You’re a New Zealand citizen or permanent resident?
You meet our income threshold
You’re happy to work with a financial mentor before applying for a loan
PERSONAL STORY
Meet Sonam
At 28, Sonam needed help managing unexpected costs as a new single mum. With guidance from a financial mentor, she accessed a Little Loan from Ngā Tāngata Microfinance, giving her the support she needed to get back on track.
Meet Sheryl
Sheryl found My Money Kete when rising living costs and debt left her family struggling. With practical support and guidance, she’s taking control of her money, reducing stress, and building a better future.
