If you are interested in applying for a loan, talk to your budget advisor. You can find a list of the budgeting services we work with below. If your advisor is not on the list please ask them to contact us.

Criteria for applicants:

There is a genuine need for the loan
The loan will make a positive difference to the borrower
The borrower displays an ability to repay the loan within two years
The loan is for NZ$6,000 or less
The applicant is unable to access credit at a reasonable interest rate anywhere else
The applicant is actively engaged with a budget advisor / financial mentor

Applicants must be NZ Permanent Residents.

All payments must go directly to creditors within New Zealand – we don’t pay cash directly to borrowers.

Questions? Contact us

Things we don’t lend for:

Except in exceptional circumstances, we don’t lend for everyday living costs/household expenses eg. power or rent
Court fines (these are already interest-free)
Cash
Business purposes

How the process works

Services that we work with (if your advisor is not on this list please ask them to contact us)

Agape Budgeting Service	PO Box 13107 Johnsonville Wellington 6440	04 477 3000	info@agapebudgeting.org.nz
DCM Wellington	2 Lukes Lane, Te Aro	04 384 7699	office@dcm.org.nz
Emerge Aotearoa	13A Wall Place Kenepuru Porirua 5040	027 587 4173	Les.Atoni@emergeaotearoa.org.nz
Family Finances Service Trust (Formerly Upper Hutt Budget Advisory Service)	Bradley Lane (Wilson Street end) Upper Hutt	04 528 6998	uhbudget@xtra.co.nz
Johnsonville Citizens Advice Bureau	1 Frankmoore Avenue Johnsonville Wellington 6037	04 478 5698	johnsonville@cab.org.nz
Kapiti Youth Support	15 Tutanekai Street, Paraparaumu	04 905 9597	kys@kys.org.nz
Kokiri Marae	7-9 Barnes Street, Seaview, Lower Hutt	04 564 1338 / 021 043 3232	janis@kokiri-hauora.org.nz
Newtown Budgeting & Advocacy Service	Riddiford House, 94 Riddiford St, Newtown	04 389 8121	newtownbudget@xtra.co.nz
Petone Budget Service	6 Britannia Street, Petone	04 568 8831 / 021 169 0479	budget.petone@xtra.co.nz
Porirua Whanau Centre	16 Bedford Court, Cannons Creek, Porirua 5024	04 237 7749	enquiry@poriruawhanau.org.nz
Salvation Army Porirua	Cnr Warspite Avenue & Fantame Street, Porirua East	04 235 6266	damien.hazlewood@salvationarmy.org.nz
Salvation Army Upper Hutt	695 Fergusson Drive, Upper Hutt	04 528 6745	jo.ryan@salvationarmy.org.nz
Supergrans Lower Hutt	Level 2, Russell Keown House, Cnr Queens Drive and Laings Road, Lower Hutt	04 566 9778	manager@supergran.org.nz
St Vincent de Paul	207-209 Riddiford St, Newtown	04 389 7122	socialwork@vinnieswgtn.org.nz
Supergrans Porirua	Level 2, Russell Keown House, Cnr Queens Drive and Laings Road, Lower Hutt	04 566 9778	porirua@supergran.org.nz
Te Roopu Awhina Porirua	Level 3 – Pember House, 16 Hagley Street, Porirua	04 238 4091	reception@tra.org.nz
The Learning Centre & Whānau Family Support	65 Dudley Street, Lower Hutt	04 570 6020	whanauora.wfsst@xtra.co.nz
Wairarapa Free Budget Advisory Service Inc	Sport Wairarapa Building, Cnr Jackson & Chapel Streets, Masterton	06 377 0017	waifreebudgetadvisory@xtra.co.nz
Well Financial Services	20 Parumoana Street, Porirua	04 238 2454 / 027 238 2454	wellfinancialservices@outlook.com
Wellington City Mission	200 Riddiford St, Newtown	04 389 2033	enquiries@wgtncitymission.org.nz