Emergency

Personal Loans: Emergency Loan

We know life can throw curveballs, and an emergency loan from Future Finance can help.

Future Finance is here to help keep life on track with a personal loan.

No matter what the emergency is, whether it’s a niggly car repair, unexpected dental bill or patching that leaky roof, a timely cash injection you can focus on the brighter days ahead.

We're proud to be a 100% Kiwi owned company and NZ's #1 rated finance company on Trustpilot with 1,820+ 5 star reviews.

Emergency loans are tailor made to fit your specific requirements
Once your loan is approved and completed, money could be in your account in 60 minutes
Clean and Transparent. No hidden surprises. What you see is what you get
Decades of trust. Future Finance has 25+ years' experience helping Kiwi's

If you're looking for financial assistance through a personal loan to handle an emergency, apply online now.

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

Borrowing money in an emergency

How can I borrow money through a personal loan in an emergency? Borrowing money when urgent expenses arise can be challenging, that’s why a tailored personal loan for emergencies from Future Finance could help you in this exact situation. Regardless of your emergency, we are here to help you cover those unexpected situations and restore a sense of security and stability in your life. If your application is successful, we can provide you with fast access to funds to enable you to deal with the emergency and get on with your life.

Life can be difficult and unexpected, we’re here to make it easier.

Birthdays, weddings, funerals and farewells are just some life events that often throw us a curveball when not expected. We understand this and our emergency loans team can work with you to get the right type of loan for your needs. Our online application process is quick and simple, allowing you to receive funds in as little as 60 minutes once your loan has been approved and we have completed the required affordability and responsible lending checks.

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

We're ready to help now.

Payments that suit you
We know that flexibility and a repayment schedule that fits with your lifestyle is important to you. We'll do our very best to make it work for you.
We don't judge.
Your business is your business. Our job is simply to help you get to where you want to be, and our trusted team are always available with a friendly ear to help you get what you want today.
No hidden fees
Rest easy. Everything is up front and transparent with Future Finance. We promise.

So - what are you waiting for?

A better future starts today

Easily Apply Now or call our trusted team on 0800 25 10 10

“Fast service, fast responses, fast payment.”

Sharon, Hastings

“Professional service & most importantly - straight up.”

Scott, Taupo

“I can breathe again now. Thanks Future Finance.”

Quila, Auckland

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 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.