Need a hand managing your money?
We can help you find free budgeting services near you.
Get support from a financial mentor
Improve your financial well-being
Support applying for a Little Loan
Break free from financial stress
Looking for support with money management, becoming debt-free or even just more financial freedom?
Ngā Tāngata can get you the budget coaching you need.
Ngā Tāngata Microfinance is a non-profit organisation committed to helping low-income Kiwis get better at managing their finances. If you’re looking for budget advice, we can pair you with a financial mentor. They’ll offer money management guidance and tricks to help you avoid tight spots in the future. We also offer small, fee-free loans to help kickstart your new budget on the right foot.
If you're looking for budgeting services, we can help match you with a financial mentor
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 loans you already have
- You have up to 2 years to pay it back
- You pay the loan back with no interest or fees
- You work with a financial mentor to look at how you’ll make the repayments and 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 can pay the loan back with no interest or fees
- You work with a financial mentor to look at how you’ll make the repayments and 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 |
How Little Loans help you reach your budgeting goals
Feel like you just can’t seem to get yourself out of debt? Getting yourself into more debt in order 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 Kiwi Bank 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 Zealand’s financial literacy. Apply for a loan with us and we’ll help you get more confident with money moving forward.
Here at Ngā Tāngata, we’re personally invested in improving the financial well-being of low-income individuals in New Zealand. We understand that managing money can be hard, and that’s why we offer loans in conjunction with budgeting services.
Ready to apply? Follow these 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.
Transform your money management skills
Kickstart your new budget with our safe, interest-free loans and put your new financial skills to work.
Complete the form
If you have any questions, please contact us
