Consumer Credit Contract Terms and Conditions

Terms & Conditions

Consumer Loan and Security Agreement & Repayment Waiver & Gap Waiver Benefits & Conditions

Download the PDF

“Outstanding service and communication!”

Ariana, Auckland

“Simple process & I got the money I needed fast.”

Christine, Christchurch

“Thanks Future Finance for helping us get our car.”

Donna, Otago

Disclosure Statement & Terms

Our terms range from 6 months to 5 years. View our loan terms here.

Interest rates are fixed and range from 11.99% to 24.99% p.a.
The interest rate offered will depend upon your credit history, security offered and your overall credit profile.

The term of your loan will depend on your financial circumstances and take into account:

how much you want to borrow
security being offered
your income
your other financial commitments
your credit history

Future Finance Ltd does not associate itself with High Cost Lending

Representative example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months with an AIR of 12.99%, your total loan payments will be $12,748.05 (made up of $10,000 principal, interest charges of $2,211.05 and monthly admin fee of $5 and an establishment fee of $357).

This example assumes weekly repayments and does not include premiums for any optional waivers or additional fees (if any).

For a quote on Business Lending please contact our business team specialist on 0800 25 10 10.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about your loan is not regulated financial advice.

This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.