Nobody plans for a burst pipe at midnight, an overheating engine or tooth pain that can ruin a long weekend. But here at Future Finance, we've built our emergency loans around the reality that life doesn't always wait for convenient timing.
Emergency Loan
Get Fast Financial Help When You Need It Most With An Emergency Loan
When Crisis Strikes, Future Finance Can Help With Emergency Lending
Unlike traditional loans that can take days or weeks to process, we understand that true emergencies require financial solutions as soon as possible.
We're proud to be a 100% Kiwi owned company and NZ's #1 rated finance company on Trustpilot with 1,945+ 5 star reviews.
• Emergency loans respond to your crisis timeline, not banking hours
• Dedicated team trained in rapid assessment and approval
• Once approved, funds can be available within 60 minutes
• Fixed rates and transparent terms
• 25+ years helping Kiwis through their toughest moments
If you're facing a genuine emergency that can't wait for too long, 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
What Qualifies as a Financial Emergency?
At Future Finance, we prioritise genuine crisis situations that threaten your health, safety, home, or ability to earn income. Understanding what constitutes a real emergency helps us fast-track the right applications. Here are some examples of emergencies we can help with:
Immediate Health & Safety Concerns:
• Severe dental pain requiring emergency treatment
• Emergency veterinary surgery for pets
• Emergency repairs to your home or vehicle
Critical Home Emergencies:
• Major plumbing failures causing water damage
• Electrical faults creating fire hazards
• Heating failure in winter with children or elderly
• Roof damage during storms
• Lock replacement after break-in
• Gas leaks or appliance dangers
The Cost of Delaying Emergency Action
Acting quickly can often save you money and stress. Small issues can grow into bigger expenses if they’re left too long:
• Water damage in a home can spread into walls and flooring if not fixed early
• Dental infections may worsen and require more complex treatment if delayed
• Vehicle repairs that are put off can turn into more expensive mechanical problems
• Temporary fixes often add up to more than what it would cost for proper repairs
• Missing work due to delays can add extra financial pressure
Our emergency loan process is designed to get funds to you quickly, helping you deal with the problem now rather than facing higher costs later.
Our Easy 3 Step Loan Process
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.
Crisis-Ready Financial Support
Support for life's unexpected moments
We know emergencies are stressful enough without complicated loan processes. That's why we keep things simple with a straightforward application, quick answers, and real people who understand that sometimes life just happens.
Judgment-free crisis assistance
We've seen it all in 25 years, from midnight flooding to emergency pet surgery. There's no embarrassment in needing help during a crisis. Our role is simply to provide rapid financial support so you can focus on resolving the emergency.
Clear terms during unclear times
Crisis situations are stressful enough without confusing loan terms. Every cost is clearly explained upfront. No hidden fees, no surprise charges. Just straightforward emergency funding when you need it most.
Available when emergencies strike
Don't let financial limitations turn an emergency into a disaster or call our trusted team on 0800 25 10 10
So - what are you waiting for?
A better future starts today
Easily Apply Now or call our trusted team on 0800 25 10 10