Got some questions? Check out the answers to some of our most frequently asked questions below.


About Future Finance

How much does it cost?

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.

What happens if I repay early, or late?

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 Fee Statement here.

How is Future Finance responsible?

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 check our Fees Schedule here at any time.

How can a loan help you?

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 situation, verify your details, and only lend you an amount that you can comfortably afford to repay.

Is Future Finance right for me?

We understand that every situation is different. Our professional lending team are trained to listen to your individual needs and tailor a finance solution to 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.

What are my responsibilities?

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. 



Am I eligible for a loan?

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.

How much can I borrow?

Approved borrowers may be eligible for a loan from $2000 to $80,000+. The amount you can borrow depends on your individual circumstances. Lending criteria and suitability checks apply.

What do I need to get started?

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.

How do I apply and how does it work?

Applying for a loan with Future Finance is as easy as 1, 2, 3.

  1. Start your application online in just 2 minutes, or phone us on 0800 25 10 10.
  2. Our friendly lending team will assess your eligibility and create a finance plan tailored to suit your needs.
  3. Once your loan is approved and all documents are returned completed the money can be paid into your account in just 60 minutes!


Approval process

Does Future Finance do credit history checks?

Yes. Like most lenders, we carry out a credit check as part of our assessment of your application.

What if I apply outside of business hours?

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

Can I still get a loan if I have bad credit history?

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.


Transfer time

How do I get paid and how fast?

Once your loan is approved 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. 



What Fees will be charged on a Future Finance loan?

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 Schedule here.

What interest rate will I be charged? 

Our interest rates are fixed and range from 9.95% – 28.99% p.a. The interest rate you are charged will depend on your financial circumstances. You can view more information about our interest rates here.



How do I repay Future Finance?

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.

When do I repay Future Finance?

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. 

What if I can't repay on the due date?

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 as set out in our Fees Schedule.

I'm experiencing Financial Hardship. What can I do?

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 10 to discuss your account as soon as possible. View more information about financial hardship here.


Your next loan

I've just repaid my last loan in full. When can I apply for another one?

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 or apply online

I'm still paying my loan but need a bit of extra cash. Can I apply for a top-up?

Certainly, Just call your usual lending consultant on 0800 25 10 10 and we will see if you are eligible for a top up to your loan. 


Contact Future Finance

What if I have a complaint?

At Future Finance, we are proud to offer our customers a high level of customer service - your satisfaction is very important to us. However if something has gone wrong and you would like to make a complaint please contact us on 0800 25 10 10. View our Feedback section for more details on how to make a complaint.

Personal Loans

Getting a Personal Loan with Future Finance is fast, simple and stress free. Borrow what you need, pay it back comfortably over an agreed period of time, and get on with life.

Find out more

Debt Consolidation

Our Debt Consolidation loan service combines all your other loans or debts into a single, competitive loan with one easy to manage regular payment.

Find out more

Business Loans

Need some help with cash flow, purchasing new assets or growing your business? We take the hassle out of getting a business loan, so you can focus on more important things – like running your business.

Find out more