• Contract
  • Interest
  • Fees
Future Finance
  •  0800 25 10 10
  • Apply now
  • Personal Loans
    • Returning Client - Apply Here
    • Personal Loans
    • Business
    • Debt Consolidation
    • Car / Repairs
    • Home Renovations
    • Dental / Medical
    • Holiday
    • Travel
    • Emergency
    • Wedding
    • Education
    • Funeral
  • About Us
    • About Us
    • FAQ's
    • Blogs
    • Testimonials
    • Careers
  • Fees
  • Interest
  • Contract
  • Car Purchase
Trustpilot
  • Personal Loans
    • Returning Client - Apply Here
    • Personal Loans
    • Business
    • Debt Consolidation
    • Car / Repairs
    • Home Renovations
    • Dental / Medical
    • Holiday
    • Travel
    • Emergency
    • Wedding
    • Education
    • Funeral
  • About Us
    • About Us
    • FAQ's
    • Blogs
    • Testimonials
    • Careers
  • Fees
  • Interest
  • Contract
  • Car Purchase

Apply now

Or for faster approval call 0800 25 10 10

Personal Loans: Car Loans

Your dream car is waiting. Purchase it with personal loans from Future Finance.

Whether you're upgrading the family car, buying your first vehicle, or finally getting that car you've always wanted, a Future Finance personal loan puts you in the driver's seat.

With pre-approval in hand, you'll shop with confidence, negotiate like a cash buyer, and own your vehicle outright from day one. No liens, no complications. It’s just you and your new car.

Why Use a Personal Loan for Your Car Purchase?

When it comes to buying a car, a personal loan gives you advantages that dealer finance can't match. You become a cash buyer with real negotiating power, able to shop anywhere - dealerships, private sellers, auctions, or online. There's no waiting for finance approval at the dealership, no pressure to accept dealer add-ons, and no restrictions on the age or type of vehicle you choose. Best of all, you own the car outright from the moment you buy it, with no security interests complicating your ownership.

Types of Vehicles You Can Purchase

Our personal loans for car purchases cover any vehicle you have in mind. From reliable family cars and fuel-efficient commuters to work utes and luxury vehicles, the choice is yours. Whether you're buying new from a dealership, hunting for a bargain privately, or importing your dream car, we've got you covered. Classic car enthusiast? No problem. Need a people mover for the growing family? Perfect. Want to go electric? We're here to help make it happen.

Apply Online Now

     

Trustpilot

New Zealand's Only 5-Star Rated Finance Company on Trustpilot

Apply online in just 2 minutes or call 0800 25 10 10 to speak to a loan specialist

The Smart Way to Buy Your Next Car

Get Pre-Approved First

Start your car buying journey the smart way with pre-approval. You'll know exactly how much you can spend, giving you confidence when you find the right vehicle. 

Shop Like a Cash Buyer

With approved funds ready to go, you're in the strongest possible position. Sellers prefer cash buyers because the deal is simple and certain. This often translates to better prices and the ability to secure popular vehicles before other buyers who are still arranging finance.

Complete the Purchase Your Way

Once you've found your perfect vehicle and negotiated the price, we transfer the funds directly to your account. You can then pay the seller immediately - whether it's a dealer, private seller, or auction house. The car is yours, free and clear, from day one.

What's Included in Your Car Purchase Loan

Beyond the vehicle price, you can include:

• On-road costs (registration and licensing)
• Insurance premiums
• Extended warranties
• Vehicle inspections
• Transportation costs
• Any dealer fees

To begin the process complete our simple 2 minute online car purchase loan application and we will be in touch as soon as we can.

Our Easy 3 Step Loan Process

Contact our friendly team

Apply online or call us on 0800 25 10 10

We complete
your application quick as

We'll call you to verify some things.

Everything's sorted!

Once your loan is approved and completed, we aim to have money in your account in less than 1 hour

Easily Apply Now

Or call our trusted team on 0800 25 10 10
 

We understand life happens - and our simple solutions are here to help

“Very fast and efficient help. Thanks Future Finance.”

Amy, Wellington

“You made everything so easy! Thanks Future Finance.”

Karrin, Wellington

“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 12.99% to 27.99% 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 $485).

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.

Freefax 0800 25 10 40

General enquiries hello@futurefinance.co.nz

Fees  |  Interest |  Contract  | Disputes | Terms of Use and Privacy Policy | Privacy Statement

 Secure and Trusted

Member of FSCL 100% NZ Owned & Operated Registered Financial Service Provider


© Future Finance Ltd, 100 McLeod St, Hastings. All rights reserved. 

Sitemap

Types of Loans: Personal Loans, Business Loans, Debt Consolidation Loans, Car Loans, Home Renovation Loans, Holiday Loans, Travel Loans, Medical Loans, Dental Loans, Emergency Loans, Wedding Loans, Education Loans and Funeral Loans.