In a tight spot following Christmas?

We may be able to help.

A little about us…

We’re a non-profit organisation backed by Kiwibank. We offer small, safer, interest-free loans to New Zealanders who’ve hit a tough patch and don’t know where to turn. As well as lending you the money you need, a financial mentor will give you some tips to manage your money – so you’ll have fewer tight spots in the future.

Our little loans are backed by Kiwibank

Our loans are for New Zealanders on low incomes who want to get ahead

Are you:

  • A New Zealand citizen?

  • Eligible for a community services card

  • 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 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.

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 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.

Ready to apply? Follow these 5 steps...

1

Find a financial mentor

Check the list and find a financial mentor near you.

2

Fill in the form here

Tell us a bit about you so we know how to help.

3

We’ll confirm with you

We’ll send you a confirmation email and send your form to your selected financial mentor.

4

Call if urgent

If your request is urgent, please phone the financial mentor to make an appointment.

5

See your financial mentor

When you see the financial mentor, tell them you wish to apply for a Ngā Tāngata loan.

6

Apply for your loan

Your financial mentor will assess your needs and help you with the application process.

Complete the form

Personal Stories

Hear from some of the people we’ve helped.

Read how

After her husband took almost everything they owned, a Financial Mentor helped Janie get back on her feet financially.

Read how

Bev’s story shows that talking to a Financial Mentor can make a huge difference.

Read how

Thanks to careful budgeting and a loan from NTM, Alison is able to make ends meet.

Read how

A GetControl loan enabled Marnie to pay off crippling loans and move into a new home.

Read how

Help from a financial mentor and a loan from NTM has ‘lifted the pressure’ for 79-year old Noeline.

Read how

Thanks to a $2k loan from NTM, Kaye has taken charge of her money.