Let's keep everything simple.

The best way to find out what your exact costs will be is to apply. It all depends on how much you want to borrow and your personal circumstances. We’ll provide a clear breakdown of all your fees and repayments before you confirm your loan. As a quick reference, you can see our fees here.

We won’t penalise you for paying off your loan early, in fact we’ll congratulate you! However, if your repayments aren't on time you'll most likely pay additional fees and charges. You can find out more about our fees by checking out the ‘How much does it cost? (Fee Schedule)’ FAQ at the top of this page.

Future Finance is committed to being a responsible lender. We are a registered Financial Service Provider (number FSP4261) and are governed by the Commerce Commission under the Credit Contracts and Consumer Finance Act (CCCFA). Before we assess that you are eligible for a loan we make reasonable enquiries to verify your financial situation, and understand why you need a loan. This includes verifying your income and expenses, reviewing 90 days of your bank transaction history and asking the purpose for your loan. Based on the inquiries and verification that we’ve made we won’t offer you a loan if we believe it’s unsuitable for you. If you are eligible for a loan we disclose a full breakdown of all your fees and repayments before you confirm your loan. There are no hidden fees to worry about, and you can find out more about our fees by checking out the ‘How much does it cost? (Fee Schedule)’ FAQ at the top of this page.

Sometimes life likes to throw us a curveball – especially when it comes to money. Future Finance will always be here when you need us. We'll assess your application, verify your details, and we will only lend you an amount that you can comfortably afford to repay. As a responsible lender, we will always ensure that you are able to meet your loan obligations.

With 25 years experience in Kiwi personal and business finance, Future Finance is a trusted partner with a leading customer service record. We understand that every lending situation is different. Our highly trusted lending team will listen to your individual needs and discuss a package that will suit your budget. As a responsible lender, we will always ensure that you are able to meet your loan obligations.

On top of this we are Trustpilot’s #1 ranked personal finance lender.

Don’t just take our word for it, see what has been said about us for yourself

To be eligible to apply for a loan with Future Finance you must be at least 18 years of age and have a regular income.

Future Finance will take care to lend you an amount you can comfortably afford to repay. All you need to do is be open and honest about your financial situation, income, and expenses, and only apply if you are confident that you’ll be able to repay the loan. As part of responsible lending, we will require 90 days of bank statements to access your affordability for a loan with us. 

Approved borrowers may be eligible for a loan from $2,500 to $100,000+. The amount you can borrow depends on your individual circumstances. Lending criteria and suitability checks apply. As a responsible lender, we always ensure you are able to meet your loan obligations. 

To get started, we'll need to know the usual things -  your name, address, phone numbers, employment details, and your day-to-day expenses. You'll also need to provide bank statements and your account number - so we know where to put your money.

You can apply for a loan with Future Finance today

Start your application online or phone us on 0800 25 10 10

Our trusted team will assess your eligibility and discuss your financial needs.

Once your loan is approved and all documents are completed, the funds can be paid into your account in just 60 minutes.

Yes. Like all responsible lenders,  we carry out a credit check as part of our assessment of your application. Rest assured that this will not be completed without your authorisation.

If you've applied outside of business hours, we will contact you on the next business day.

Possibly. If you have a default on your file we may still be able to help you, depending on the circumstances. Let’s have a chat.

Call us now on 0800 25 10 10

Once your loan is approved, signed and completed, money can be transferred to your bank account within 60 minutes.

Access to the money is subject to your bank processing the funds.

We’ll provide a clear breakdown of all your fees and repayments before you confirm your loan. You can find out more about our fees by checking out the ‘How much does it cost? (Fee Schedule)’ FAQ at the top of this page.

The interest rate you are charged will depend on your financial circumstances. You can view more information about our interest rates here. 

Simple, you can set up a direct debit with us when you confirm your loan. On the day your repayments are due, the money will automatically be collected from your nominated bank account. All you need to do is make sure the required funds are available in your bank account on the day it is due.

You’ll set up a regular payment when you confirm your loan. You can set your payments to come out weekly, fortnightly or monthly, to fit in with your regular pay cycle.

Simply contact us!

Call us on 0800 25 10 50 to discuss your account as soon as possible. 

We’re here to help and will work with you to make up for the missed payment. By advising us ahead of time, you may avoid the payment dishonour fees imposed by your bank.

You will likely incur default fees for any missed payments. 

You can find out more about our fees by checking out the ‘How much does it cost? (Fee Schedule)’ FAQ at the top of this page.

Simply give us a ring!

We understand that, for a number of reasons, anyone can go through financial hardship at any time.

If your repayments have fallen behind, or if you have an upcoming payment you know you won't be able to make, please give us a call. The earlier we know what's going on, the more we can do to help!

The best number to call is 0800 25 10 50 and our friendly team will work with you to help you get back on track.

View more information about financial hardship here.

Firstly talk to us, as we are here to help and will work with you to try and sort your arrears.

We understand hardship can affect people in different ways. If you need advice or guidance about your finances, you can access free help from Sorted NZ - visit sorted.org.nz  or Money Talks on 0800345123 - moneytalks.co.nz.

We are always here if you need us again!

You can apply online now for another loan with us or by contacting your trusted team on 0800 25 10 10 or hello@futurefinance.co.nz

We will quickly update your application and undertake the appropriate checks we are required to complete as a responsible lender.

Of course you can!

Apply online now for another loan or contact your trusted team on 0800 25 10 10 or hello@futurefinance.co.nz

We will quickly update your application and undertake the appropriate checks we are required to complete as a responsible lender.

Your satistaction is greatly important to us.

If a solution can’t be found right away, you can contact the General Manager, Lee Davies, by calling 0800 25 10 10 or click here to send an email. Lee will work together with the right people within the Future Finance team to help resolve the matter.

If for some reason an agreement still cannot be reached by this stage, you can then ask Financial Services Complaints Limited (FSCL) for help. This is an independent party who looks at referred complaints on a case-by-case basis – and the service is free of charge.

Moving house or changing your postal / email address?

Send us an email with your new details to hello@futurefinance.co.nz or phone us on 0800 25 10 10 and we can take care of this for you.