Loans in New Zealand in 2018!

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

$20,000 loan over a 36-month term. Establishment Fee $465. Valuation Fee $35, PPSR Search & Registration Fee $9.20, Credit Check $8.20, Driver Check $3, Identity Check $2.65, Passport Check $2.19, Vehicle Check $10.30, Bank Statement Report $1.95, Total Interest Charges Payable $6,188, Total Amount Payable $26,725, Annual Percentage Rate (APR) 19.9121%, Interest Rate 17.99%.

Requirements

  • 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.

    Registration number

    FSP4261

    Legal address

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

    Additional information

    Phone: 0800 25 10 40
    Email: hello@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
    $40000
    Minimum loan term
    6 months
    Maximum loan term
    7 years
    APR
    13.95 %
    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, Monthly repayments: $232, Interest: $3945, Total amount payable: $13945, APR: 13.95%
    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 - 18.95 %
    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, Monthly repayments: $232, Total amount payable: $13920, 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: $20000, Loan term: 3 years, Total amount payable: $26725, APR: 19.9 %
    NB! Total amount payable depends on the loan amount, percentage, terms and individual credit worthiness.
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