Locals Backing Locals: Meet MTF Finance

Representatives from MTF Finance engaging with potential clients.

MTF Finance puts the human touch back into lending. Expert local support and speedy approval processes are the foundation of their face-to-face service. With over 50 years of experience and 51 offices nationwide, they offer tailored loan and lease solutions for both individuals and businesses.

Why choose MTF Finance?

For personal, face-to-face service from local experts

You’re not just a number with MTF Finance. Their team of lending specialists, who call New Zealand home and work in your community, are dedicated to providing a human touch to the lending experience.

They understand one size doesn’t fit all. They take the time to get to know you and your needs, ensuring that you receive a tailored solution.

With 51 offices across the country, you’ll have the opportunity to meet with a loan specialist in person and have an honest conversation about your financing options.

Same-day approval

In many cases, they can provide you with approval on the same day you apply, so you can get your financing needs met quickly. Their mission is to make the process as smooth and stress-free for you as possible.


Recognising that each individual or business has different financial circumstances, MTF Finance provides tailored loan solutions to meet your specific needs.

Are you a small business looking to purchase equipment, an individual seeking to consolidate debt, or in need of financing for another purpose — like your wedding or a home renovation?

MTF Finance has a loan solution that offers flexibility to fit a range of unique situations.

Easy application process

Enjoy a straightforward application process with most MTF Finance loans requiring just three forms of documentation. By simply providing the essential information needed, you can be on your way to securing the financing you need, faster.

What type of finance can MTF Finance help you with?

When it comes to securing financing for your business or personal goals, MTF Finance offers a range of options.

Personal finance

Personal loans for all life events

MTF Finance offers a range of loan options, including secured and unsecured personal loans, loans for weddings, vacations, and home improvement projects.

How much you may be able to borrow:

  • Secured personal loans: $2,000 to $100,000.
  • Unsecured personal loans: $2,000 to $30,000.
  • Wedding loans: $2,000 to $30,000.
  • Holiday loans: $2,000 to $30,000.
  • Home improvement loans: $2,000 to $30,000.

Debt consolidation

If you are struggling with multiple loans and the burden of repayments, debt consolidation may help simplify your financial situation.

An MTF Finance specialist will sit down with you and come up with a personalised interest rate based on your situation. This way, you’ll have a better idea of what repayments you can comfortably afford to repay and how quickly you can do it.

If you’re a New Zealand resident or visa holder over 18 years of age, hold a valid New Zealand driver’s licence and have regular income, you may be eligible for a loan or lease arrangement with MTF Finance.

Business finance

Small business Loans

Small business owners have the option of either a secured or unsecured loan:

  • Small business loan options: Borrow between $2,000-$100,000 with a secured loan or between $2,000-$30,000 with an unsecured loan.
  • Quick funding with same-day turnaround available upon submission of complete documentation.
  • Essential documentation required: Proof of identity, address, and financial statements.

Business vehicle loans are available for all types of vehicles, with borrowing options ranging from $2,000 to $100,000.

Vehicle and operating leases

Upgrade a company vehicle or piece of business equipment without tying up cash. MTF Finance purchases the vehicle or equipment you need and leases it to you for a set lease term. At the end of the term, the vehicle/equipment is sold.

Finance lease benefits:

  • Lease term to suit your requirements (6-45 months depending on the type of lease).
  • Fixed payments throughout lease.
  • Optional maintenance and servicing coverage.
  • Option to upgrade at the end of lease period.

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