Fee Schedule 2025

The below Fee Schedule applies from 1st May 2025

Fee Type	Current Fees Charged	New Fees Charged
Establishment Fee	$375	$485
Refinance Establishment Fee	$285	$385
Variation Fee – Arrears	$125	$155
Variation Fee – Security Swap	$175	$175
Monthly Facility Fee	$5	$5
Early Termination Fee	$33	$33
Dishonour Fee	$11	$12
Reminder Letter	$16	$20
Repossession Warning Notice Fee	$17	$27
Repossession Fee (Day 31)	$49	$79
Repossession Warrant	$205	$258
Post Possession Notice Fee	$95	$91
Post Possession Fee (Court Seized Vehicle)	$101	$124
Notice of Intent to Dispose	$93	$176
Statement of Account After Sale	$76	$138

“Thanks for going all out to approve our loan.”

Mr Tupou, Christchurch

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

Karrin, Wellington

“First class customer service. Thank you so much!”

Kerry, Whangarei

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 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 $12,846 (made up of $10,000 principal, interest charges of $2,182 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.