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Nga Tangata Microfinance Trust

Social Service



Nga Tangata Microfinance Trust was established in 2010 by the Child Poverty Action Group, the New Zealand Council of Christian Social Services and the New Zealand Federation of Family Budgeting Services (NZFFBS). The loan capital is provided by Kiwibank. Good Shepherd Microfinance (GSM), operating in Australia since 1982, has provided advice, support and information.

The organisation has a vision is to alleviate poverty by building a more just and equitable society through promoting the economic and social wellbeing of all those living in Aotearoa New Zealand. Our contribution towards the achievement of this is by advocating for and assisting in the provision of safe, fair and affordable finance options that strengthen financial independence and inclusion.

Nga Tangata offers two loan products which are offered at no interest or fees and are safe, fair and affordable. The first Asset Building (with a limit of $2,000*) is to assist with family asset building and wellbeing or essential items or services. This is interpreted broadly – including items such as whiteware, furniture, beds, fence mending, hearing assessment and mobile phones, amongst others. The second loan product Debt-Relief  is for relief from high interest debt, including debt consolidation (with a limit of $3,000*). 

ELIGIBILITY: Qualifying conditions for all loan applicants include a Community Services Card or a low income and the willingness and capacity to repay the loan within 2 years.  Applicants must be NZ residents and over 18 years in age. Nga Tangata values the relationship that clients have with a budgeting adviser for a minimum period of 2 months in order to qualify for a loan, with financial education and literacy occurring alongside our loans being important. These loans may not be for everyone nor every situation (e.g. they are not for urgent situations or emergencies).  

We work within the Tamaki community, and wider Auckland areas. 


Adult / Pakeke, Older adult / Kaumātua

How do I access this service?

Contact us

Access to Nga Tangata's nil interest loans is through partnering budgeting services - for instance, Tamaki Budgeting services the Tamaki area.

Please call our enquiry line 021 941 259 or…



There is no charge for this service.


Mon – Fri8:30 AM – 5:00 PM

Languages Spoken


Services Provided

Supporting financial independence

Nil interest loans that are safe, fair and affordable. 



Central Auckland

Contact Details

Postal Address

PO Box 99 890
Auckland 1149

This page was last updated at 9:26AM on March 18, 2021. This information is reviewed and edited by Nga Tangata Microfinance Trust.