Need a vehicle loan? These guys have got ya sorted.

Whether it's an upgrade or a change of pace – you can count on MTF Finance to help you do more.

I want to borrow
I can afford to repay

There’s no obligation to take out a loan and this won't affect your credit score.

There’s no obligation to take out a loan and this won't affect your credit score.

Trusted by Kiwis since 1970

Don't just take our word for it…
Thanks for making it easy
I personally had an awesome experience. Very easy to deal with, literally everything was done over the phone! The guys went over & above my expectations to put a deal together that suited me. I would have no hesitation of recommending the team @ Northlands MTF
Nicola
Fantastic customer service!!!!
Fantastic customer service!!!!! So simple through the whole process! Cant rave enough about the Representative I dealt with! Professional, precise, friendly and made it a breeze! Would give 10 STARS if I could!!!!
Keri
Thanks to MTF finance for my vehicle…
Thanks to MTF finance for my vehicle finance. Was easy and quickly done. Only had one problem with feedback on what was needed from beginning to resolve the finance proses. Thanks again for service.
Barend
Personal Loan
I would like to personally commend Julia Bentley for her very efficient, upfront and amazing service, and by meeting the very tight deadline. She is exemplary in dealing with clients. She has been and always easy to reach out and very professional to deal with. She is an asset of this company.
Isabel Garcia
MTF Finance is a great company
That I've been use many times and they have a very nice people to assist me everytime I need finance and I can highly recommend to people who needs car loan . A very much thank you for always help me.
Benji
Chris is amazing at what he does
Chris is amazing at what he does. From start to finish his commitment to seeing you get the best result is second to none. Easy to deal with, very friendly and always bends over backwards to get things done with his customers best interests in mind. Wouldn’t go anywhere else now!
Rod
My experience with MTF Finance Rolleston
My experience with MTF Finance Rolleston branch was great. They were very understanding and had helped through the whole process. Everything was easily done on the phone and online. Would recommend them any time.
Upesh
First time users of MTF finance
Staff were welcoming, friendly & knowledgeable. Great communication.
Maurice
Svena always kept in contact with any…
Svena always kept in contact with any information. This is not the first time we have dealt with her but she is very good a her job, very through and so quick. Such a great pleasure dealing with Svena.
Wayne
Very easy and hassle free to deal…
Very easy and hassle free to deal with, that's real big for me. Being able to complete everything on my phone makes it stress free. No doubt I will keep using MTF in the future. Thanks to Nathan, he's the man.
David
Dan was awesome he let me know…
Dan was awesome he let me know everything I needed to know about the loan, made instructions so easy to follow. Got intouch asap if anything he needed on his end. Helped me when I didn’t understand anything made it so that i did. Thank you dan
Mary

Our team of local finance experts is dedicated to personally guiding you through the borrowing process

We can help you to…

  • Find the right loan to suit your needs
  • Tailor repayments to your income – weekly, fortnightly or monthly
  • Find the best interest rate
Decor

Why more Kiwis choose MTF Finance

  • Locals backing locals
    Our team are local New Zealanders, and we live and work in your community
  • Same day approval
    We can usually let you know how much you’re approved for the day you apply
  • Stress-free finance
    Online, over the phone, or in person, we'll guide you through every step

Did you know MTF Finance is rated 4.9 out of 5 on Trustpilot?

MTF Finance has been helping New Zealanders since 1970, which is longer than I’ve had my learner licence on these wings!

Apply now

Helping you to do more in 3 easy steps

  • 1
    Apply in minutes
    Submit an application online, give us a call, or drop into your local office!
  • 2
    Talk to your local team
    We'll work with you to create a loan that suits your needs
  • 3
    Get approved
    Share some supporting documents, and we'll get the money moving

What you need to apply

  • Be at least 18 years of age
  • Be a New Zealand resident or visa holder
  • A valid NZ drivers licence
  • Proof of address
  • Bank statements showing the last 90 days
  • Regular income
  • 3-4 minutes to complete your application

Frequently asked questions

  • What’s the difference between secured and unsecured loans?
    A secured loan means the loan uses an asset as security that can be sold if the loan isn’t repaid. An unsecured loan means that even if the loan is for an asset, that asset can’t be taken to repay the loan.
  • How much can I borrow?
    Depending on your individual circumstance, our unsecured personal loans start from $2,000 to a maximum of $30,000. If you need to borrow more than that, talk to us about a secured loan.
  • Can I borrow more?
    If you find that the initial loan amount isn’t meeting your needs, talk to your MTF Finance contact about borrowing more. Further lending will mean a new contract and a new loan assessment, but we can work through that with you.
  • Can all MTF Finance providers offer personal loans?

    All MTF Finance offices and select approved vehicle dealers can offer secured personal loans. The majority of our offices can offer unsecured loans to eligible individuals and businesses, so check with your local office or call us on 03 477 0530 to find out how we can help.

    Our nationwide network of approved vehicle dealerships are not able to offer unsecured loans.

  • Is there a fee to settle my loan and can I repay my loan early?

    As with all MTF Finance loans, you can settle your loan whenever you want. There is a small fee for settling which changes daily and you can check your account online for the most up-to-date settlement figure.

    Interest rates and fees vary between loan types.

  • Who can apply?

    If you’re a New Zealand resident over 18 years of age, have a valid New Zealand driver licence and a regular income, you can apply with MTF Finance.

Find your local MTF Finance office

Talk to the local lending specialists about the best loan for you.
Get your application started