Loans in New Zealand in 2017!

Future Finance - description of the lender

Loan ammount

$2000 - $80000

Loan term

6 months - 5 years

Company

Future Finance makes getting a personal loan fast, simple and flexible, so you can smooth out any money hurdles and get on with life. A personal loan can be used for whatever you want. Future Finance is 100% New Zealand owned company.

APR

10.93 - 100.67 %

Representative example

Representative example: Loan Amount $10000, Loan Term: 1 year, Interest: $1291, Total Amount payable: $11.779 APR: 70.80%

Age restriction

To apply for a loan you must be at least 18 years old

Requirements

To be eligible to apply for a loan 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.

You also have to be able to provide your name, address, phone numbers, employment details, information on your expenses, bank statement and account number.

Important

Possible fees and charges applied to your consumer credit:

Loan/Variation Establishment and Documentation Fees
Loan Establishment Fee: $300
Loan Documentation Fee $105
Valuation Fee: $105
PPSR Registration Fee: $13

If you fail to make your loan payments you can be charged with default fees such as
- Dishonour Fee $10
- Reminder Fee $22
- other recovery costs

Registration number

FSP4261

Legal address

100 Mcleod Street, Camberley, Hastings, 4120, New Zealand

Additional information

Phone: 0800251010
Email: loans@futurefinance.co.nz

Other offers

How to choose the best loan for you?



  • Loan simulation

    Loan simulation on lenders websites show the differences between offers, in terms of monthly payments and also the total cost to pay. In any case we recommend you to make a credit simulation on 2 or 3 websites that suit you and only then make your online application. If you hesitate between several offers, make several credit applications to receive offers. This will allow you to compare the contracts.
  • APR.*

    Annual Percentage Rate represents an annual cost (in %) of borrowing. The APR include factors such as interest rate and certain other fees and charges into account. In order to make it easier for you to compare one loan to other similar loans, lenders are required to tell you their APR before you sign an agreement.
  • The application fee.**

    The records of expenses are very different from one institution to another. High records charges may hide behind a low APR. Up to 1% of the credit amount, expenses records are reasonable.
  • The total cost of credit.

    The total cost is the first item to check for comparing credit offers. This is the amount you will pay in the end. This amount includes interest, possible administrative costs or insurance.


Minimum loan amount
$3000
Maximum loan amount
$100000
Minimum loan term
6 months
Maximum loan term
7 years
APR
17.95 - 18.95 %
Minimum age
18 years
Loan granting
Good
Online application
anz.co.nz
Requirements:
  • - must be over 18 years old;
  • - must be a permanent New Zealand resident;
  • - must apply for $3,000 or more.
Representative example: Loan amount: $10000, Loan term: 5 years, Interest: $5240, Total amount payable: $15240, APR: 17.95%
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
Minimum loan amount
$1000
Maximum loan amount
$50000
Minimum loan term
1 year
Maximum loan term
5 years
APR
13.95 - 20 %
Minimum age
18 years
Loan granting
Good
Online application
westpac.co.nz
Requirements:
  • - you must be at least 18 years of age;
  • - be a permanent New Zealand Resident;
  • - have a regular income.
Representative example: Loan Amount: $10000, Loan Term: 5 years, Interest: $39.20, Total amount payable: $19211.95, APR: 13.95 %
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
Minimum loan amount
$2000
Maximum loan amount
$80000
Minimum loan term
6 months
Maximum loan term
5 years
APR
10.93 - 100.67 %
Minimum age
18 years
Loan granting
Good
Online application
futurefinance....
Requirements:
  • - you must be at least 18 years of age;
  • - be a permanent New Zealand Resident;
  • - have a regular income.
Representative example: Loan amount: $10000, Loan term: 1 year, Interest: $1291, Total amount payable: $11779, APR: 70.80%
NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
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