Local help for the things you need

With 46 locations across New Zealand, we think we've got the locals covered. Your local team can help you with almost anything you need for both work and home, whether it’s a new ute, car, boat, bike or even an overseas holiday.

We'll work with you to tailor the loan to your needs, so you'll always know where you stand.

Why more people choose MTF Finance
What we can finance

Whether you’re looking for personal or business borrowing, we can finance almost anything!

From your dream car or motorbike to a home renovation or family holiday, you can do more with MTF Finance.

Home Renovation
Great reasons to choose us
Easy, same day approval - If you apply in person with supporting documentation, we can usually give you an answer on the spot.
Personal attention - Service and advice from your local team, tailored to you from start to finish.
Locals helping locals - we live and work in your communities and a local understanding goes a long way.
Hassle free application – online, over the phone or in person, we’ll make getting a loan a breeze. We can even come to you!
Frequently asked questions
Who can get an MTF Finance loan?

If you’re a New Zealand resident or visa holder over 18 years of age, hold a valid New Zealand driver licence and have regular income, you can apply for finance with us.

What will the interest rate be?

Everyone’s situation is different, so our interest rates are tailored to you as an individual.

MTF Finance’s interest rates are fixed for the term of the loan, and range from 9.20% to 21.20% p.a. The interest rate which will apply to your loan depends on a number of factors, including:

• Financial and other information you provide
• Information provided from credit bureaus and other third parties
• Your credit history with MTF Finance if you have been a recent customer

What things can I get a loan for?

Whether it drives, floats or flies, we can finance almost anything! We also offer loans for business vehicle and equipment. We can even offer loans for home renovations or that well-earned break, using an existing asset as security.

MTF Finance uses the asset you’re borrowing for (or an asset that you own) as a security for the loan. The asset must exceed $2,000 in value and have a serial number. If you have any questions or need more information about this process, just ask – we’ll be happy to help.

How long does it take to get the money?

If you apply in person with supporting documentation, we can often transfer funds to you on the same day that the loan is completed. If it is for a vehicle purchase, we can also arrange to send the funds directly to the seller on your behalf.

Why finance with an MTF Finance dealer?

When you buy your vehicle from an MTF Finance approved dealer, you are buying from the person who makes the lending decision. Subject to lending criteria, your MTF Finance dealer is able to make a quick finance decision, allowing you to drive the vehicle of your choice home, today.

Find your nearest MTF Finance approved dealer

Should I put my car loan on the mortgage?

Sometimes people use a home loan to finance other things, such as a boat, overseas holiday or vehicle. But putting the car 'on the house' may not be the best solution. If you put your car 'on the house', you may pay interest for much longer, making the final cost significantly higher.

How much can I borrow?

You may borrow from $2,000 to $100,000, as long as you have sufficient security to support the loan and we're confident that you are able to manage the repayments.

How soon will I know if my loan is approved?

To consider your application, you must provide:

- A valid NZ driver licence
- Bank statement less than 30 days old, in your name, showing transactions for a calendar month
- Bank statement, utility bill, rates, NZ Government documentation or insurance confirmation showing your name and physical address

If you apply in person, and bring these documents with you, we can usually give you an answer on the spot.

What happens when my loan is approved?

We'll talk through the loan document, make sure you understand your rights and obligations under the contract and then ask you to sign it. If you have any concerns or queries regarding the obligations you are entering into, we recommend that you seek advice from your lawyer or accountant before signing the loan document.

Are there any hidden costs?

The interest rate and all fees are set out in the loan agreement you sign at the beginning of the loan term. For information about interest rates and fees, when financing with MTF Finance, see cost of borrowing.

What are the business advantages of a finance lease with MTF Finance?

If you're a business customer, you may be able to claim GST on the principal portion of each instalment, the interest portion of your payments may be tax deductible. The vehicle is recorded on your balance sheet, so you can also claim depreciation.

What consumer protection laws cover my loan with MTF Finance?

Consumer protection laws associated with the motor vehicle finance industry include:

- Credit Contracts and Consumer Finance Act 2003
- Responsible lending code
Motor Vehicle Sales Act 2003
- Consumer Guarantees Act 1993
- Fair Trading Act 1986
- Privacy Act 1993
- Personal Property Securities Act 1999
- Financial Service Providers (Registration and Dispute Resolution) Act 2008
- Financial Advisers Act 2008
- Anti-Money Laundering and Countering Financing of Terrorism Act 2009

What happens if I have a concern or complaint?

If you have a concern or complaint about a product or service provided by MTF Finance, you should contact the person who sold the product or provided the service, in the first instance.

If a satisfactory outcome is not achieved, following the step above, please contact MTF Finance Solutions Team

03 477 0530, [email protected], PO BOX 885 Dunedin 9054

If you are not satisfied with the response received from MTF Finance, or MTF Finance is unable to resolve the matter, either party may refer the dispute to the Insurance & Financial Services Ombudsman Scheme (IFSO):

[email protected], 0800 888 202, PO Box 10-845 Wellington 6143

Get started today
  • 1

    Until life in New Zealand is back to normal, you can apply online or give us a call below.

  • 2

    We will work with you to create a loan that suits your individual needs.

  • 3

    Share some supporting documents, and we’ll get right on to it.

Apply for finance
Apply online

Let us know as much as you can, and we’ll work with you to complete the rest.

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Your local MTF Finance office

Select your nearest region to find an office.

MTF Finance First Avenue
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MTF Finance Mt Maunganui
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MTF Finance Fraser Street
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Terms and conditions

This calculator provides an estimate and is not an offer of finance.

For further information on interest rates and fees, see the Cost of borrowing.

Request a call back
Simply enter your contact details and an MTF Finance consultant will call you back within 30 minutes during standard business hours.

MTF Finance business hours
Monday to Friday: 08:30am – 5:30pm
Saturday: 10:00am – 2:00pm