Struggling to make ends meet right now?
You’ve come to the
right place.
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 or permanent resident?
-
Eligible for a community services card
-
Happy to work with a financial mentor to learn how to get ahead financially
We offer 3 small loans:
GetControl
Debt Relief Loan
- You can borrow up to $5,000 to pay off high-interest loans you already have.
- You have 2 years to pay it back.
- You pay the loan back with zero 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 |
| $3500 | $35 | $68 | $135 |
| $4000 | $40 | $77 | $154 |
| $4500 | $45 | $87 | $174 |
| $5000 | $50 | $97 | $193 |
GetAhead
Asset Building Loan
- You can borrow up to $3,000 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 zero 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 |
GetSet
Combo Loan
- You can borrow up to $3,000, with the ‘GetAhead’ part of the loan being no more than $2,000. For example, $2,000 for new whiteware and a laptop, and $1,000 to pay off debt (note, car purchases aren’t covered).
- You have 2 years to pay it back.
- You pay the loan back with zero 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 |
Note: With our GetSet combo loan, you can borrow up to $3,000, with the ‘GetAhead’ part of the loan being no more than $2,000. For example, $1800 for dental costs + $1,200 to pay off debt (note, car purchases aren’t covered).
Ready to get started? Follow these 6 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 if a loan is right for you, will help you with the application process.
Complete the form
If you have any questions, please contact us
