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MTL is a privately owned New Zealand company and has financed 1,000’s of customers over 20+ years.
We have access to multiple funding lines which gives us not only stability but also flexibility for many different types of deals.
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Privacy Policy
SCOPE
This privacy statement applies to the www.mtlfinance.co.nz websites and any MTL service that collects data and displays these terms, including MTL’s mobile APP. It does not apply to any MTL site or service that does not display or link to this statement or that have their own privacy statements.
DEFINITION
“You/your” means you, the user of this web site.
“We/us/our” means MTL Limited t/as MTl Finance who provide this web site.
Personal Information
You can access and browse our website without disclosing any information about you.
We only collect personal information you choose to give us.
We may also collect aggregate data based upon site usage. This data allows us to assess the popularity of certain areas of the network and raise the level of web site performance that we provide for you. However, it gives us no information about you individually.
USES AND SHARING
If you do provide us with personal information we will use that information only for the purpose(s) for which you provided it, or as you have otherwise specifically permitted us.
We use your personal information to provide you with the information you request from us.
We may use your personal information to operate effectively and to provide you the best products, services and experiences we can.
We may share your personal information with the MTL Limited trading as MTL Finance and affiliates and vendors; when required to or authorized by law or where we have otherwise obtained your explicit consent.
We do not use cookies to store personal information nor do we link non-personal information stored in cookies with personal information about specific individuals.
YOUR RIGHTS AND CHOICES
You may contact us to request access to personal information about you that we hold and to ask for it to be corrected if you believe that it is out of date or incorrect.
To protect your privacy and the privacy of others, we may have to verify that you are who you say you are before we can give you access to, or change, any information about you.
You may opt-out of any further contact from us.
SUMMARY
We take privacy seriously and our collection of user information and site usage data is part of our aim to provide a superior service. These data will enable us to improve the site and the level of service offered.
CONTACT US
If you have any queries about this privacy statement, please contact us on our Contact page.
FEES, CHARGES & INTEREST SCHEDULE
SCHEDULE A: FEES, CHARGES & INTEREST SCHEDULE
(As at 1 December 2025)
BOOKING FEE
$295
For the initial set-up of a contract including processing the application, credit enquiries, security enquiries, documentation, establishment etc.
Note: covers fees payable by us to third parties.
RE-DOCUMENTATION FEE
$395
For amendments such as product changes, Renter changes e.g assignment, changing rental payment terms, release of guarantor, early termination (if agreed by us), etc.
ADMINISTRATION FEE
$50
For providing additional services such as copies of the contact (after initial disclosure copy), additional copies of invoices previously provided, payment dishonours (in addition to any bank charges), refunds, statements, written notice of settlement payouts audit requests etc.
OVERDUE INTEREST
2% per month
If you fail to pay any amount to us when it falls due, we may charge you interest at the overdue interest rate on a daily basis on the overdue amount calculated from the date that amount became due until the date it is actually paid. Such interest will be immediately due and payable. A fee may be payable to compensate us for a reasonable estimate of any loss incurred by us in the event of your default.
Note
The type of fees and charges and the amounts payable may change from time to time. The above list of fees and charges is the current list and an updated list is available on request. MTL may, in its absolute discretion, waive any fee or charge as it considers appropriate.
FEEDBACK AND COMPLAINTS
Feedback and Complaints
We are committed to providing a high standard of service. If something has gone wrong, we want to know and will work with you to resolve any complaint fairly, promptly, and in good faith.
How to make a complaint
If you have a complaint, please contact us by email at feedback@mtlfinance.co.nz and provide details of your concern, along with any supporting information.
What we will do
When we receive your complaint, we will:
- acknowledge your complaint within two working days
- review and investigate the matter
- respond to you as soon as practicable and no later than 20 working days after receiving your complaint
External dispute resolution
If we are unable to resolve your complaint to your satisfaction, you may refer the matter to Financial Services Complaints Limited (FSCL).
FSCL is an independent, not for profit external dispute resolution scheme approved by the Minister of Consumer Affairs. FSCL provides a free, fair, and independent service to help resolve complaints.
FSCL contact details:
- Website: fscl.org.nz
- Email: complaints@fscl.org.nz
- Phone: 0800 347 257
- Post: FSCL, PO Box 5967, Wellington 6145
Our Financial Service Providers Register number is 554066.
We are a member of Financial Services Complaints Limited, registration number 6927.