No question's a stupid question.

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. That’s why Future Finance is here to help you out when you need it. 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. 

We understand that every situation is different. Our professional lending team will listen to your individual needs and discuss a package that will suit your budget. However if you don’t meet our lending criteria and we believe taking a loan will put you in financial hardship we will not offer you a loan. As a responsible lender, we will always ensure that you are able to meet your loan obligations. 

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. 

To be eligible to apply for a loan with Future Finance you must be at least 18 years of age, have a regular income, and be able to offer a form of security for the loan. After that we will look at the rest of the information you provide to see if you are able to comfortably service the repayments of a loan. Because your financial situation may improve, being declined today doesn't mean we won't be able to consider an application from you in the future, although you'll still need to meet our lending criteria and suitability checks and supply 90 days of bank statements. 

Approved borrowers may be eligible for a loan from $2,500 to $80,000+. The amount you can borrow depends on your individual circumstances. Lending criteria and suitability checks apply. As a responsible lender, we always ensure customer are able to meet their loan obligations. 

To get started, we'll need to know the usual things, like 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 pay you as soon as you're approved.

Apply for a loan with Future Finance today

1. Start your application online or phone us on 0800 25 10 10.
2. Our friendly lending team will assess your eligibility and discuss your finance needs (subject to responsible lending) 
3. Once your loan is approved and all documents are signed and completed the money 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 however 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.

If you have a default on your file we may still be able to help you depending on the circumstances.

Call us now on 0800 25 10 10 and let’s talk.

Once your loan is approved, signed and completed, money can be transferred to your bank account within 60 minutes, if confirmed by 4:30pm during banking days. Otherwise, the payment will be processed on the next business day. Access to the money is subject to your bank. 

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.

Call us. If you are unable to make one of your payments contact us immediately (during business hours), and we 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.

We understand that anyone can go through financial hardship at any time, due to a number of reasons. If your repayments have fallen behind, or if you have an upcoming payment you know you won't be able to make, please contact us. The earlier we know what's going on, the more we can do to help. Call us on 0800 25 10 50 to discuss your account as soon as possible. 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.

Congratulations! It’s a great feeling to pay off a loan in full. You can apply for a loan with us at any time, just contact your usual lending consultant on 0800 25 10 10 and they will complete a new loan application and undertake the appropriate checks we are required to complete as a responsible lender. 

Certainly, Just call your usual lending consultant on 0800 25 10 10 and they will complete a new loan application and undertake the appropriate checks we are required to complete as a responsible lender. 

In the first instance, please get in touch with your usual point of contact here at Future Finance and we will make sure your complaint is investigated promptly.

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. She will work together with the right people within the Future Finance team to help resolve the issue.

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