Need a little loan to get you through a tight spot?

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 budgeting coach 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 budget coach 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 budget coach 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 budget coach 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 budget coach

Check the list and find a budget coach 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 budget coach.

4

Call if urgent

If your request is urgent, please phone the budget coach to make an appointment.

5

See your budget coach

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

6

Apply for your loan

Your budget coach 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

Maria used a GetControl loan to get on top of her debts.

Read how

Sandra and her husband used a GetControl loan to reduce debt.

Read how

Virginia is a Financial Mentor at Budget House Taupo.

Read how

Danny used a GetControl loan to reduce his debt

Read how

Selena used a GetAhead loan to cover cell phone cost

Read how

Denise used a GetControl loan to avoid loan sharks