Rating based on 43 reviews


  • Car finance up to $100,000
  • Low-interest starting from 12.95%
  • Repayment up to 48 months

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MTF homepage
Author MTF. Screenshot of MTF website.
[Accessed March 6, 2023]

About MTF

Looking for your next car, maybe a caravan? How about equipment for your business? Well, whatever you need MTF Finance is ready to assist you with the finance you need.

For more than 50 years MTF Finance has helped New Zealanders and New Zealand businesses to do more. Since 1970 they have been priding themselves by assisting each client with exactly what they need according to their budget and needs. MTF Finance is a company that listens and cares about your situation.

They have a team of finance experts that will always go the extra mile and will guide you through the borrowing process from start to finish ensuring that you get the right finance for you.

Getting yourself the perfect car

Whether you are planning on buying a new or used car, it is still a huge step and car be stressful to make the right choice. With MTF car finance is so much easier.

With them, you can enjoy this exciting journey as they have years of experience especially when it comes to dealers. Access a range of MTF Finance-approved dealers that are committed to providing you with straight-up service. They have approved dealers nationwide, ready to help you find your next car.

MTF Services

Get the car of your dreams whether it is new or used between $2,000 and $100,000.

You are good to go even if your credit score is not so perfect as long as they are confident that you can manage the repayments. They will help you find the right loan for what you want to do. Enjoy flexible repayments either weekly, fortnightly, or monthly while having the best interest rate possible.

Affordable Secured personal loans

Whether you need a break from society and go on a holiday, buy new furniture or paint a wall, get a tailored loan. These loans are designed to finance almost anything.

You can even use this personal loan NZ to pay off your debt or go on an overseas trip. Getting what you need is easy with MTF Finance.

Business loans – reach your business goals

Whether you are just starting out or you need to buy equipment for your existing business MTF Finance can set you up for success. From tools and machinery to computers and more.

You can apply for a finance lease if you want a flexible or frequent vehicle without using up your business cash flow.

MTF – Car loan

  • Loan Type Car finance
  • Interest Rate 12.9529.95% p/a
  • Loan Amount up to $100,000
  • Repayment 12 months to 48 months

Benefits of MTF

  • Personalised repayment terms
  • Affordable vehicle finance
  • Breakdown insurance

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Owning your first car is easy with our innovative car loans

You can either apply online, over the phone or at one of their branches.

They can usually give you an answer on the spot if you take the following with you:

  • A valid NZ driver license
  • Proof of address
  • Your bank statements of the last 90 days

Eligibility to apply

You can apply with MTF Finance if you are older than 18 holding a visa or are a New Zealand resident, have a valid New Zealand driver’s license, and have a regular income.

Once you have been approved

Once approved, they will help you to understand your rights and obligations as they guide you through the contract. If you are happy with the terms, you can then sign. After signing they will then process your payment on the same day!

Benefits of getting a car loan with MTF Finance

  • Enjoy great service and advice from experienced staff around the corner of where you are.
  • A loan that is tailored to your budget and needs.
  • Same-day approval and pay-out.
  • A quick and easy online loan application process that can be done in person, online, or over the telephone.
  • Get assistance from a local New Zealander that lives and works in your community.
  • Flexible repayment options allow you to repay either weekly, fortnightly, or monthly.
  • Low rates

Customer Reviews & Testimonials

One thing I love about MTF is the easy online application process and how quickly loans are approved.

Keira Y.
— Gisborne —

The fixed repayments are a blessing in disguise; it really helps take the load off of monthly repayments.

Freya N.
— Invercargill —

MTF Contact

Physical Address

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 08:00 – 17:30
  • Saturday 10:00 – 14:00
  • Sunday – Closed