welcome to mutual credit finance limited

Mutual Credit Finance Limited (MCF) is a privately owned finance company based in Christchurch that has been providing finance solutions throughout New Zealand since 1956. Our attitude toward lending is simple; treat our customers with respect and provide flexible options to help them meet their goals. In an industry that has undergone considerable change over the last few years, MCF is proud to be able to continue to provide a trusted and committed service that meets your specific and individual needs.

Whether it's a new car, a holiday, property or home improvements, plant and machinery finance, business expansion or simply consolidating your debts into one easy to manage loan - if you make the plans, we can provide the finance!*

We aim to provide efficient and responsible financial solutions that help our clients. Our goal is to ensure our clients are happy and to involve them as needed throughout the entire loan process from application to final payment.

Occasionally things may not go according to plan and if this happens, we want and need to know about it so we can resolve the issue in a timely manner. Please share your concern or complaint with us by clicking here.

MCF is also a member of the Insurance & Financial Services Ombudsman scheme, an independent external dispute resolution scheme approved pursuant to the Financial Service Providers (Registration and Dispute Resolution) Act 2008. The contact details of the Insurance & Financial Services Ombudsman scheme can be obtained here.

Call us now to discuss your financial requirements.

MCF is a member of the Financial Services Federation Inc. and is a registered Financial Service Provider, registration number FSP31821.

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The creditworthiness of MCF is not rated by a rating agency approved by the Reserve Bank as MCF is operating under an exemption from the requirement under section 23 of the Non-bank Deposit Takers Act 2013 to have a credit rating.

MCF is exempted under the Non-bank Deposit Takers (Credit Ratings Minimum Threshold) Exemption Notice 2016, from the requirement to have a credit rating for the year commencing 1 March 2016 because MCF's liabilities were less than $20 million for the year preceding 1 October 2015, making it unduly onerous and burdensome for MCF to comply with the requirements under the Non-bank Deposit Takers Act 2013 to have a credit rating, and MCF maintains a capital ratio of at least 10%.

Further Information is available in our Prospectus.

*All applications are subject to MCF's credit criteria.


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