Need a loan but worried you have bad credit?
You’ve come to the right place for no credit check loans.
Get support from a mental mentor
No credit checks
No fees or interest charged
Repay over 2 years
Looking for financial support with no credit check?
Apply for a no credit check loan with Ngā Tāngata Microfinance and we may be able to help you get ahead today.
Ngā Tāngata Microfinance is a non-profit organisation committed to helping low-income Kiwis get better at handling their finances. We offer small, safe, interest free loans to those with bad credit who don’t know where to run. We also pair you with a financial mentor to assist you on your money management journey, helping you to avoid tight spots in the future.
If you have a bad credit rating, our loans can help you get through a tight spot
Are you:
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A New Zealand citizen?
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Eligible for a community services card?
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Happy to work with a financial mentor to learn how to get ahead financially?
We offer 2 small loans:
GetControl
Debt Relief Loan
- You can borrow up to $3,000 to pay off high-interest debts you already have.
- You have up to 2 years to pay it back.
- You pay the loan back with no interest or fees – check your repayments below.
- You work with a financial mentor to look at how you’ll make the repayments and to learn how to get ahead financially.
| Repayments per week | Term 2 years (max) | Term 1 year | Term 6 months |
| $500 | $5 | $10 | $20 |
| $1000 | $10 | $20 | $39 |
| $1500 | $15 | $29 | $58 |
| $2000 | $20 | $39 | $78 |
| $2500 | $25 | $48 | $97 |
| $3000 | $30 | $58 | $116 |
GetAhead
Asset Building Loan
- You can borrow up to $2,000 to pay for an essential item such as a fridge, school fees or medical fees (car purchases aren’t covered).
- You have up to 2 years to pay it back.
- You pay the loan back with no interest or fees – check your repayments below.
- You work with a financial mentor to look at how you’ll make the repayments and to learn how to get ahead financially.
| Repayments per week | Term 2 years (max) | Term 1 year | Term 6 months |
| $500 | $5 | $10 | $20 |
| $1000 | $10 | $20 | $39 |
| $1500 | $15 | $29 | $58 |
| $2000 | $20 | $39 | $78 |
What sets Ngā Tāngata Microfinance apart from the loan sharks
Feel like you just can’t seem to get yourself out of debt? Getting yourself into more debt to pay off older debt? Our loans will help you break the cycle.
Where loan sharks rely on fees and interest payments to keep their doors open, our partnership with Kiwibank allows us to offer loans as a non-profit organisation.
Getting out of debt isn’t easy – and we get that. We’re committed to improving New Zealanders’ financial capability. Apply for a loan with us and we’ll help you become confident with money moving forward.
Here at Ngā Tāngata Microfinance, our loans and financial support can help you break the cycle. We’re personally invested in improving the financial capability of low-income individuals in New Zealand. We understand that managing money can be hard, and that’s why we help people with bad credit.
Ready to apply? Follow these 5 steps...
Fill in the form here
Tell us a bit about you so we know how to help.
We’ll confirm with you
We’ll send you a confirmation email and send your form to your selected financial mentor.
Call if urgent
If your request is urgent, please phone the financial mentor to make an appointment.
See your financial mentor
When you see the financial mentor, tell them you wish to apply for a Ngā Tāngata loan.
Apply for your loan
Your financial mentor will assess your needs and help you with the application process.
Complete the form
If you have any questions, please contact us
