Supporting no-interest micro-loans

Payday loans and other short-term, high-interest loans can put low-income or unemployed Kiwi on a downward debt spiral. We want to help provide responsible lending alternatives to Kiwi in need, so we partner with Ngā Tāngata Microfinance Trust and Aviva, who provide fee-free and interest-free microfinance loans.

How does microfinance work?

Microfinance loans are small fee-free and interest-free loans for people who might not ordinarily qualify for credit through mainstream financial institutions. Our partnerships with Ngā Tāngata Microfinance Trust and Aviva give qualifying Kiwi access to safe, fair and affordable credit. It’s not just about a quick fix, it’s about laying a foundation for future success, so applicants need to work with a financial mentor and get ongoing support and budgeting help.

How are we offering support?

We provide the loan capital for Aviva and Ngā Tāngata to lend to Kiwi. As loans get repaid, that money is then recycled back into the community in the form of more loans. For us, it’s critical to be able to do what we do best, finance, to support amazing organisations working in our communities to help people to get ahead. One of the biggest benefits of these microfinance loans is helping Kiwi to reduce financial stress and build a better future for themselves and their families.

Why we partner with Ngā Tāngata

Ngā Tāngata provides fee-free, interest-free loans either for asset building (maximum $1500) or debt relief (maximum $3000). Almost 75% of the loans they provide are for debt relief. Since starting in South Auckland, Ngā Tāngata has expanded its reach to budgeting services in wider Auckland, Northland, Waikato, Bay of Plenty, Gisborne, Manawatu, Levin, Taranaki and Dunedin and is continuing to expand its network.

In our partnership with Ngā Tāngata, we fund the capital required to provide loans that help with costs like education fees, appliances, medical costs, vehicle repairs or paying off high-interest debt. The programme is about more than the loan, it's about providing clients with the financial capability through budget and mentoring to help break the cycle of poverty. With over seven years of collaboration, more than $1,000,000 in loans and over 300 clients; we’re really proud of the work we do with them.

Visit or contact your local financial mentor to see if they’re currently working with Ngā Tāngata.

Why we partner with Aviva

Aviva is our microfinance partner in Christchurch, providing no-interest loans for the Christchurch community to help them get ahead - to pay for things like washing machines, vehicle repairs, education costs and accommodation bonds. Aviva works with clients to provide them with wrap-around support which can often include connecting them to other social services.

The loans are typically up to $1,000 but can be up to $2,000 in some circumstances. They're part of a national network of social service organisations delivering Good Shepherd NZ’s NILS No Interest Loan Scheme, providing fair and affordable borrowing options to people living on low incomes.

Visit to find out more about what they do or if you’d like to talk to them about a microfinance loan.