Alternate Finance

About Alternate Finance

Based in Christchurch, Alternate Finance has been providing loan services to New Zealand residents since 1983.

We understand the various different situations our clients find themselves in and we tailor our service to be simple, affordable and helpful. With a number of different loan types, there is an option to suit you.

Our corporate responsibility

Besides offering valuable loans to our clients, we take corporate responsibility seriously and therefore we are involved in a number of community projects and charities.

No matter what financial strain you are under, at Alternate Finance, we are here to help you! You could have a loan finalised with 24 hours at Alternate Finance, just another way we aim to assist our clients.



What Alternate Finance can offer you

The aim of our loan services are to offer our clients financial freedom to take care of the things that matter the most. 

We deliver with professional, speedy and reliable service to ensure you have the best experience when dealing with us. At Alternate Loans you will not only find debt consolidation loans but also fast cash loans, holiday loans, emergency loans and funeral loans.

Consolidate your debt

Should you be a position, in which you cannot afford all your debt bills, we will consolidate it into one affordable, monthly payment. More than 80% of our clients return to us for loans, which proves our commitment to our clients.


In a Nutshell

  •  Loan minimum $500
  •  Interest rate 13.95% to 26.98% per annum
  •  Loan term minimum 6 months
  •  Loan term maximum 3 years
  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration

How to apply for a loan with Alternate Finance?

Apply online, download the application forms or you can contact our friendly staff that are ready to assist you.

Choose your payment option

Customers have the option of paying smaller weekly payments on debt consolidation loans or you have the option of a larger monthly payment. Once you have submitted your loan application a consultant will contact you within one hour and loan amount are paid to you within 24 hours.  

We cater for all

At Alternate Finance we look beyond your credit rating to ensure that we are able to assist people in different financial situations. Lower interest rates help you pay back your cash loan amount quicker, which also reliefs your financial situation. Although based in Christchurch, we accept loan applications from anyone residing in New Zealand.

Our interest rates range from 13.95% to 26.98% per annum. This is dependant on a number of things such as the loan amount, your credit history with us and the security that you are able to provide for the loan. Once the interest rate has been determined, it is fixed for your loan term.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Earning a stable income
  •  Active email address
  •  Can you provide security

Other Products & Services

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

Contact Details

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


 Physical Address

  • 50 Sandyford Street, Sydenham, Christchurch, 8023, New Zealand

 Postal Address

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