Personal Loans Tailored To Suit Your Needs

Personal loans that work for you

Searching for the best personal loans NZ has to offer? At Future Finance, we’ve been helping Kiwis get fast, flexible funding tailored to local needs for over 25 years. Whether it’s for debt consolidation, car repairs, or a dream project, we’ve got a solution that fits.

Choose a term that works for your budget - from 6 months up to 5 years. Our simple and transparent loans have been accessed by thousands of Kiwis to help them get the things they want sooner.  Our local, New Zealand based loan specialists will work with you through it so that you can get back to living life. 

Getting a personal loan from us means getting access to funds fast with our online loan application. You can apply online anytime and receive a quick decision, often with same-day funding, perfect for urgent needs or seizing sudden opportunities as they arise.

Beyond speed, we stand out among NZ loan providers where borrowers often face high rates or hidden fees. With our clear and competitive terms and conditions we can help you sort through the industry jargon and noise like secured vs unsecured personal loans, fixed repayment schedules and various fee types etc.

When borrowing from us we look at factors such as: 

• The amount being borrowed.
• Whether the loan you are after is secured or unsecured.
• Annual income.
• Financial commitments and personal finance.
• Credit history.

Some key benefits of our personal loans:

• Fast decision process
• We work to get funds in your account within the hour once the loan is approved.
• Competitive fixed interest rates from 11.99%
• Flexible loans up to $150,000.
• Personal guidance based on your circumstances and credit history.
• Competitive, transparent rates so you can make the best informed decision.
• Dedicated support from a New Zealand team
• A team with 2000+ reviews and counting.
• We're rated a perfect 5 out of 5 stars on Trustpilot.
• Designed with Kiwis in mind. We are based in New Zealand and 100% kiwi owned. 
• Loan terms up to 5 years.

See our loan terms here.

Still got questions? Our friendly team has been helping Kiwis for over 25 years.

Give us a call on 0800 25 10 10 or start our 100% online application process in just 2 minutes.

Lending criteria, terms and conditions apply.

How quickly can I get a personal loan?

Once your loan is approved and completed, money can be in your account within 60 minutes. Our online application takes just 2 minutes, and we often provide same-day decisions.

What can I use a personal loan for?

Personal loans can be used for almost any purpose including debt consolidation, car purchases or repairs, home renovations, medical expenses, holidays, weddings, education costs, emergency expenses and more.

How much can I borrow?

We offer personal loans from $2,500 to $150,000. The amount you can borrow depends on your income, expenses, credit history, and ability to repay the loan.

What are your interest rates?

Our interest rates are fixed and start from 11.99% p.a. The rate you receive depends on your credit profile, the loan amount, term, and whether security is provided.

Do I need security for a personal loan?

Not necessarily. We offer both secured and unsecured personal loans. Secured loans (using a vehicle or other asset as security) may qualify for lower interest rates.

Can I pay off my loan early?

Yes, you can repay your loan early at any time. You'll only pay interest for the time you have the loan, plus a one-off early termination fee of $33.

What if I have bad credit?

We consider each application individually. While credit history is important, we also look at your current financial situation, income stability, and ability to repay the loan.

What documents do I need?

Typically, you'll need proof of identity (driver's licence or passport), proof of income (payslips or bank statements), and proof of address. We'll let you know if anything else is required.

Are you based in New Zealand?

Yes we are based in New Zealand and lend throughout the entire country, from Kataia to Bluff, Christchurch to Auckland and everywhere in between.

View more FAQ's here

Personal Loans for Every Life Goal.

Your personal loan from Future Finance can be used for nearly any purpose. Some of the most common ways our customers use their loans include:

• Extra money

• Travel and holidays

• Debt consolidation

• Home renovations and repairs

• Vehicle purchases and repairs

• Unexpected bills and emergency expenses

• Medical and dental procedures

• Educational costs

• Life events like weddings and funerals

Your goals are our priority.

At Future Finance, our mission is to provide you with not just a loan, but the means to create a better future for yourself and your loved ones. We'll work closely with you to find a personal loan solution that helps you to turn your aspirations into reality.

Apply online now using our simple 2-minute application, or give us a call at 0800 25 10 10. Our friendly team of lending experts is standing by to discuss your goals and how we can help you achieve them.

Trusted for Over 25 Years

Future Finance has been the lender of choice for Kiwis since 1996. We've built an outstanding reputation by focusing on what matters most: providing exceptional customer service, practical financial solutions, and a commitment to responsible lending.

Stress-Free and Straightforward

We believe that getting a personal loan should be simple. When you choose Future Finance, you can expect:

• Personal support from NZ’s only 5 star rated finance company on Trustpilot
• Clear communication about interest rates and fees
• No hidden costs or confusing fine print

Solutions Customised for You

Your personal loan should be as unique as your goals. We offer a wide range of loan amounts and terms, and our lending specialists will work closely with you to tailor a solution that fits your specific financial needs and objectives.

Take the First Step Towards a Brighter Future with a Future Finance Personal Loan

Whether you're looking to get your finances back on track with a few extra funds, purchase or repair your car, some home renovations or need help with an important purchase a Future Finance personal loan can help you get there sooner. Get started with our quick online application and our expert lending team will be in touch to help with the rest. 

Apply online now and discover the difference of working with a lender that puts your goals first. You can also speak with our personal lending team directly by calling 0800 25 10 10 today.