Personal Loans

Personal Loans Tailored To Suit Your Needs

Easily Apply Now

Flexible Financing Solutions from New Zealand's Only 5-Star Rated Finance Company on Trustpilot.

At Future Finance, we understand that everyone's financial needs and aspirations are different. That's why we specialise in providing personalised personal loans crafted to help you achieve your unique needs - whether it's consolidating debt, home renovations, covering unexpected bills, or making a big purchase.

As a 100% Kiwi owned and operated non-bank lender with over 25 years of experience, we've helped tens of thousands of New Zealanders get the financing they need with exceptional service. Don't just take our word for it - see why we're the highest rated lender on Trustpilot with 1,730+ 5-star reviews.

With a Future Finance personal loan, you'll benefit from:

Easy 2-minute online application process
Fast access to funds once approved
Loan amounts tailored to your specific funding needs
Flexible repayment terms to suit your budget
Competitive fixed interest rates

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

Personal Loans for Every Life Goal.

Your personal loan from Future Finance can be used for nearly any purpose. Some of the most common ways our customers use their loans include:

• Extra money

• Travel and holidays

• Debt consolidation

• Home renovations and repairs

• Vehicle purchases and repairs

• Unexpected bills and emergency expenses

• Medical and dental procedures

• Educational costs

• Life events like weddings and funerals

Your goals are our priority.

At Future Finance, our mission is to provide you with not just a loan, but the means to create a better future for yourself and your loved ones. We'll work closely with you to find a personal loan solution that helps you to turn your aspirations into reality.

Apply online now using our simple 2-minute application, or give us a call at 0800 25 10 10. Our friendly team of lending experts is standing by to discuss your goals and how we can help you achieve them.

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

Why Choose Future Finance For Your Personal Loan

Trusted for Over 25 Years

Future Finance has been the lender of choice for Kiwis since 1996. We've built an outstanding reputation by focusing on what matters most: providing exceptional customer service, practical financial solutions, and a commitment to responsible lending.

Stress-Free and Straightforward

We believe that getting a personal loan should be simple. When you choose Future Finance, you can expect:

• Personal support from NZ’s only 5 star rated finance company on Trustpilot
• Clear communication about interest rates and fees
• No hidden costs or confusing fine print

Solutions Customised for You

Your personal loan should be as unique as your goals. We offer a wide range of loan amounts and terms, and our lending specialists will work closely with you to tailor a solution that fits your specific financial needs and objectives.

Take the First Step Towards a Brighter Future with a Future Finance Personal Loan

Whether you're looking to get your finances back on track with a few extra funds, purchase or repair your car, some home renovations or need help with an important purchase a Future Finance personal loan can help you get there sooner. Get started with our quick online application and our expert lending team will be in touch to help with the rest.

Apply online now and discover the difference of working with a lender that puts your goals first. You can also speak with our personal lending team directly by calling 0800 25 10 10 today.

So - what are you waiting for?

A better future starts today

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

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

Mr Tupou, Christchurch

“Excellent efficient service. Nice Future Finance!”

Matt, Upper Hutt

“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.