My car broke down leaving me without a way to work. Without this loan, I’d have been fired. My family counts on me - StepUP kept me from letting them down. - Ben
A little help goes a long way
A little help goes a long way
StepUP is a low fixed-interest loan with no fees, for people on low incomes. You can borrow up to $5,000 and have up to three years to pay it back. There are no hidden charges.
Community lenders will help you to collect the documents you need, complete the application and help make sure that you can afford to repay your loan. Loans can be held in individual or joint names.
These loans are to help New Zealanders to improve their quality of life and are provided on a not-for-profit basis.
StepUP is a community initiative of BNZ and Good Shepherd. Delivery is supported by the Ministry of Social Development.
Supported by
The below list is an indication only. Your community lender will be able to talk to you more about suitable loan purposes.
My car broke down leaving me without a way to work. Without this loan, I’d have been fired. My family counts on me - StepUP kept me from letting them down. - Ben
To qualify you must:
(based on 6.99% interest)
| Loan Amount | Total Cost | Repayments | Term |
|---|---|---|---|
| $2,000 | $2,144.92 | $90mth/$22.50wk | 24 months |
| $3,500 | $3,754.45 | $157mth/$39.25wk | 24 months |
| $5,000 | $5,363.98 | $224mth/$56.00wk | 24 months |
| $2,000 | $2,218.05 | $62mth/$15.50wk | 36 months |
| $3,500 | $3,879.63 | $109mth/$27.25wk | 36 months |
| $5,000 | $5,545.12 | $155mth/$38.75wk | 36 months |
Repayments include interest, and are approximate only.
Rates subject to change.
If I hadn’t heard about StepUP - I’d be in a different place right now. It let me study and get a new start. - Linda
1.
FIND A LOCATION
Use the map below to find your local StepUP Loan provider.
2.
Go to an interview
You’ll need proof of ID and documents that show how much money you have coming in and going out.
3.
BNZ ASSESSES APPLICATION
We want to make sure you have manageable repayments.
4.
Sign an agreement
If your loan is approved, you promise to pay it back.
5.
Buy item
Use the loan for items such as a second hand car or new furniture.
6.
Pay back the loan
You make regular repayments until the loan is paid back.
Whangarei Community Ministries
3-7 Aubrey St, Whangarei
P: 0800 854 009
E: whangarei_loans@nzf.salvationarmy.org
Waitakere Community Ministries
7-9 View Road, Henderson, Auckland
P: 0800 854 009
E: waitakerecity_cfs@nzf.salvationarmy.org
102 Henderson Valley Rd
Henderson, Auckland
P: 0800 825 282
E: loans@vakatautua.co.nz
Mt Wellington Community Ministries
18 Allright Place, Mt Wellington
P: 0800 854 009
E: MtWellington_Loans@nzf.salvationarmy.org
Manukau Community Ministries
16B Bakerfield Place, Manukau, South Auckland
P: 0800 854 009
E: southauckland_loans@nzf.salvationarmy.org
Unit 7, 586 Great South Rd
Manukau, Auckland
P: 0800 825 282
E: loans@vakatautua.co.nz
Hamilton Community Ministries
99 London St, Hamilton
P: 0800 854 009
E: HamiltonCM_Loans@nzf.salvationarmy.org
Tauranga Community Ministries
375 Cameron Road, Tauranga
P: 0800 854 009
E: Tauranga_Loans@nzf.salvationarmy.org
Napier Community Ministries
56 Tait Drive, Greenmeadows, Napier 4112
P: 0800 854 009
E: napier_loans@nzf.salvationarmy.org
Palmerston North Community Ministries
431 Church St, Palmerston North
P: 0800 854 009
E: palmerstonnorth_loans@nzf.salvationarmy.org
Porirua Community Ministries
89 Warspite Avenue, Cannons Creek
P: 0800 854 009
E: wellingtoncm_loans@nzf.salvationarmy.org
Wellington City Community Ministries
22-26 Riddiford St, Newtown, Wellington
P: 0800 854 009
E: wellingtoncm_loans@nzf.salvationarmy.org
2 Raiha Street Elsdon
Porirua, Wellington
P: (04) 237 1096
E: loans@vakatautua.co.nz
The Loft, Level 1, Eastgate Shopping Centre, Christchurch 8062
P: 0800 AVIVA NOW (0800 28482 669)
or (03) 378 3847
E: microfinance@avivafamilies.org.nz
Invercargill Community Ministries
110 Leven St, Invercargill
P: 0800 854 009
E: invercargill_loans@nzf.salvationarmy.org
A small loan can be a big StepUP.
