Alternate Finance

Alternate Finance is a Registered Financial Service Provider / FSP7401

About Alternate Finance

One of the most common compliments that we receive is that of how fantastically quick our staff are able to process loan applications and transfer credit.

As an online lender we know that it is this speed that gives us our competitive advantage and we strive to maintain it - always.

Short Term Loans from Alternate Finance

Short term loans are more costly than personal loans but, they are more affordable than personal loans since they usually have a shorter term which allows the borrower to pay off the loan faster and therefore pay less interest. Our loans are budget friendly and can be used for any purpose.

What Alternate Finance can offer you

At Alternate Finance we offer short and long term cash loans that can be secured against property, a vehicle or household items.

You can borrow between $500 and $15,000 at an interest rate of between 13.95% and 26.98% per annum. We will ensure you can afford the repayments by conducting an affordability check prior to approval.

Achieving the Perfect Balance

To achieve a good balance between your quick loan amount and loan term you need to properly evaluate your income and expenses to find out how much you can reasonably repay per month. Choosing a longer loan term will lower the monthly repayments but will end up costing your more overall.

In a Nutshell

  •  Loan minimum NZ$500
  •  Loan maximum NZ$15,000
  •  Interest rate From 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 Short Term Loan with Alternate Finance

We offer loans that can be obtained entirely online.

This means that there is no paperwork or meeting required and you can save time and money! When you use an online lender you're essentially doing away with the queues, paperwork and unreasonable lending requirements that are synonymous with banks.

Proving Affordability for Long Term Loans

Since we only offer personal loan terms of up to 3 years those who wish to borrow larger cash loan amount must be able to demonstrate that they can repay the loan in the offered term by providing us with their payslips and bank statements to prove affordability.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Earning a stable income
  •  Credit check
  •  Can you provide security
  •  Bank statements
  •  Proof of address

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 St, Christchurch, Canterbury, 8023, New¬†Zealand

 Postal Address

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