Interest Free Loans and Budgeting Support
Money challenges can affect anyone, but facing them doesn’t have to be overwhelming. At Ngā Tāngata Microfinance, we’re a community organisation that walks alongside you — helping you understand your finances, make confident decisions, and find long-term balance. Our mission is simple: to reduce financial hardship and support wellbeing through fair, no-cost solutions.
Little Loans
Our Little Loans offer interest-free, fee-free financial support for life’s essentials. Get the help you need now, with guidance to build lasting money confidence. Get financial breathing room today while building confidence for tomorrow.
My Money Kete
My Money Kete is a free money toolkit that helps you understand your spending, plan ahead, and feel more confident with your money. Learn practical ways to stay on top of your finances and reach your goals.
A fairer, kinder approach to money, budgeting and finance management
As a non-profit, we put your best interests first. Whether you’re looking for practical budgeting support or a small loan, our focus is on helping you manage your money without adding stress or pressure.
They’re designed to help you to get on top of your money, so that high interest doesn’t get on top of you. You just pay off the amount of the loan, with absolutely no interest or fees.
Your financial mentor will coach you on how to improve your money skills and help you set up your loan. That way, you’ll feel less stressed and more in control.
Our loans are backed by our financial partner. Kiwibank. Like us, they’re big believers in doing what’s right and helping Kiwis to get ahead financially, so you know you’re in good hands.
We can help you if...
You’re a New Zealand citizen or permanent resident?
You meet our income threshold
You’re happy to work with a financial mentor
PERSONAL STORY
Meet Sonam
At 28, Sonam needed help managing unexpected costs as a new single mum. With guidance from a financial mentor, she accessed a Little Loan from Ngā Tāngata Microfinance, giving her the support she needed to get back on track.
Meet Sheryl
Sheryl found My Money Kete when rising living costs and debt left her family struggling. With practical support and guidance, she’s taking control of her money, reducing stress, and building a better future.
