Hardship & Emergency Interest Free Loans.

Support for genuine hardship when life takes an unexpected turn.

Life can change quickly.

When someone is hit with unexpected hardship or an emergency, a small amount of support at the right time can make all the difference.

The Hodge Foundation offers small, interest-free loans to help people get through short-term hardship, without pushing them into long term debt or financial stress.

What This Loan Can Help with (& Can’t)

  • What This Loan Is For:

    Genuine hardship or unexpected emergencies

    Short-term support to help stabilise a situation

    People who can reasonably repay the loan over time

  • This Loan Is Not For:

    Ongoing financial support

    Debt consolidation

    Fines, holidays, or luxury purchases

Interest Free 

0%

No Fees

No Hidden Extras

Loans - Facts, No Drama.

Repayment Terms:

6 to 12 months

Loans Up To

$5000

Loans over $5000.00 are considered depending on how it will be used. These are less common and approved at our discretion.

  • Repayments are set at a fair amount that feels manageable

  • The goal is relief and stability — not stress

  • Where possible, funds are paid directly to the service providers.

We believe people are far more likely to move forward when they’re supported, not cornered.

You May Be Eligible If You:

  • Are 18 years or over

  • Live in New Zealand

  • Are In Permanent Employment

  • Are Experiencing Genuine Hardship Or An Unexpected Emergency

  • Can Meet A Realistic Repayment Plan

This support is often for people who:

  • Are working but struggling

  • Don’t qualify for traditional finance

  • Want to stay afloat without creating more debt

Who This Is For.

What these loans can help with.

Sign for vehicle services with an icon of a car and text 'VEHICLES & REPAIRS' and details about car repairs, WOF, temporary transport, vehicle purchase, and insurance.

Every situation is different and we consider each application individually.

Some common examples these loans have helped with are:

How It Works.

  • Step 1: Check If You are Eligible

    We need to get some information about you, your income and your expenses.

    This information will help our team work out whether you are eligible to go through to a loan application

  • STEP 2 - Full Application

Start Now.

Check Your Eligibility.

Start The Application

Our Interest Free Loans are designed to:

Impact Snapshot Of Interest Free Loans

  • 300+

    Interest‑Free Loans issued to people across Aotearoa

  • $1.2 Million+

    Given in Interest Free Loans

  • 150

    Current Active Loan Holders