We provide fair, safe and affordable loans that change our clients’ lives for the better.  Our clients’ stories are important because they help us all understand the many personal, positive impacts that the right financial support has on individuals and families across New Zealand.

no interest loan scheme for family well-being or asset-building
no interest loan scheme for high interest debt relief

Note: all names including those of the loan companies have been changed. Any re-publishing of these client stories need the permission of Ngā Tāngata Microfinance Ltd.

A bigger place for the family
Tui’s loan application was for a tenancy bond, so that she and her 5 children could move into their own home after 10 months of living with Tui’s parents in a two bedroom house. Because...
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Accident compounds hardship
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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Selena’s cell phone (Family Well-Being)
Selena’s cell phone was only 18 months old, but had not been very durable. It was the only phone in the house and was shared between Selena and her 3 children. A truck vendor called...
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Reducing disability stress (Debt Relief)
Danny had to give up work some years ago, on advice from his doctor. Solvents that were part of his work environment were causing health issues. Before he left work there was not enough time...
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Denise’s car (Debt Relief)
Denise purchased a car in 2004 and it became a nightmare. Around the global financial crises in 2007, the loan was converted into a ROA Loans Company (not real name) loan picking up additional security...
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Debt and more debt (Debt Relief)
Wendy, a Financial Mentor, met Peter, a superannuitant, in 2014. Peter accessed food parcels, and received help to visit Work and Income due to his high hardship count. His high needs also meant that the...
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Family pressures (Family Well-Being)
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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Sanctions and stress (Debt Relief)
Tim, a social worker in South Auckland, was working with Jendy because she was unwell and was sole caregiver to 2 children. This case presented with financial issues related to a sanctioned benefit that had...
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Accident compounds hardship (Family Well Being)
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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A child’s access to healthcare and assistance (Family Well-Being loan)
Moana’s 9 year old child Tina, with hearing difficulties, had an aide in the class to assist her. An unfortunate negative effect of this assistance was that it undermined her confidence and reduced her desire...
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Access to rental housing (NILS)
Tui’s loan application was for a tenancy bond, so that she and her 5 children could move into their own home after 10 months of living with Tui’s parents in a two bedroom house. Because...
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Room renovation (Family Well-Being)
Dean had been with the budgeting service for a number of years. He was living on the unemployment benefit and not making ends meet. Dean and his partner were using the equity in their home...
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