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 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 $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.

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 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 if a loan is right for you, will help you with the application process.

Complete the form

Personal Stories

Hear from some of the people we’ve helped.

Read how

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

Read how

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

Read how

A GetControl loan helped Beverley pay off a car loan that had a whopping 30% interest.

Read how

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

Read how

Lorraine used a GetControl Loan to pay off spiralling high-interest debts.

Read how

A GetControl Loan helped Ian to pay off spiralling credit card debt.