Alternate Finance

Alternate Finance is a Registered Financial Service Provider / FSP7401

About Alternate Finance

Bad credit can be devastating to any Kiwi since they'll likely be unable to access credit and do things that matter like buying a home or financing a vehicle.

At Alternate Finance we offer bad credit loans to people just like you, so you can get things done when you need to!

Keeping our Promises

While many lenders are unable to keep their promises Alternate Finance will do what we say will every time; which is why our customers trust and love us. Our loan application process is simple and our staff are friendly and helpful. You can apply for a loan online 24 hours a day - 7 days a week.

What Alternate Finance can offer you

Our services are aimed at people who have had missed payments, have been refused credit or have even defaulted on loans.

These people generally have very limited borrowing options and need a lender like us who specializes in quick loans for bad credit lending to help them.

What we can Offer you

We offer bad credit loans that range from $500 to $15,000 at an interest rate that ranges from 13.95% to 26.98% per annum. Our rates are among the most affordable on the market and can help you save money while taking care of the necessary. Our loan terms range from 6 months to 3 years.

In a Nutshell

  •  Loan minimum NZ$500
  •  Loan maximum NZ$15,000
  •  Interest rate 13.95% to 26.98% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 3 years
  •  Average processing time 1 hour
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

Applying for a Bad Credit Loan with Alternate Finance

Although banks make it difficult to apply for a loan - Alternate Finance is exactly the opposite and will even assist you in completing your online loan application quickly and correctly.

When you apply with us you only need to take about 10 minutes out of your day and you'll be on your way.

Why you'll Never be Disappointed with us

With flexible bad credit loan terms and bad credit consideration you'll never be disappointed with us. It's easy and is stress-free - just as it should be. You will need to fill out the form entirely and upload you ID, bank statements and proof of address in order to enable our staff to process it quickly.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Credit check
  •  Can you provide security
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Holiday Loans
  • Emergency Loans
  • Funeral Loans
  • Fast Cash Loans
  • Debt ConsolidationLoans

Contact Details

  •  0800 695 626
  •  (03) 379 7798
 Visit Website Apply Directly


 Physical Address

  • 50 Sandyford Street, Christchurch, Canterbury, 8023, New¬†Zealand

 Postal Address

  • PO Box 7130, Sydenham, Christchurch, 8240, New¬†Zealand