Alternate Finance

Alternate Finance is a Registered Financial Service Provider / FSP7401

About Alternate Finance

We're one of New Zealand's most loved alternative lenders that offer some of the lowest rates and fastest turnaround times amongst our competitors.

Alternate Finance strives to serve you, our valued customer, with superior products and great customer service from start to finish.

A Lender that's in the Lead

We've kept with the times. From our user-friendly online banking platform to our carefully crafted personal loans, Alternate Finance is a lender that has kept with the times and introduced innovation after innovation to complement our products.

What Alternate Finance can offer you

Our services and products are designed to offer you more for less.

When you need a quick loan to buy a car or refurbish your home - choosing Alternate Finance means you can access some of the best rates and the most flexible loan terms.

Our Flexible Personal Loans

Our personal cash loans range from $500 to $15,000 and can be obtained entirely online. We offer a highly competitive interest loan range of between 13.95% to 26.98% per annum with loan terms of up to 3 years. With flexible loans and terms we're a lender that changes lives.

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

How to Apply with Alternate Finance

If you're looking to consolidate debt with an Alternate Finance loan than you will love our rates which make it possible for you to save money and get out of financial trouble.

Making things Clear and Simple

While most online lenders claim to be transparent very few of them actually list their rates or fees on their websites. Moreover, they like to use complicated jargon and lots of words to mask the fact that their payday loans are not competitive, expensive and even difficult to obtain.

Apply Online in just 10 Minutes

Applying for a loan may not sound like fun but, with our advanced and simple online process - you no longer need to sweat it. You can apply for a loan in 10 minutes and you can receive you quick loan in just a couple of minutes!

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  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 Street, Christchurch, Canterbury, 8023, New¬†Zealand

 Postal Address

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