Rating based on 13 reviews

Alternate Finance

  • Debt consolidation up to $1,500
  • Low-interest starting from 13.95%
  • Repayment up to 3 years

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Author Alternate Finance. Screenshot of Alternate Finance website.
[Accessed March 7, 2023]

About Alternate Finance

Alternate Finance-based Christchurch company was established in 1983 and we guarantee that our customer service is focused on you and the most professional loan services available.

We will always make time for you

Even if we have to work late in order for you to get the finance when you need it, we’ll do it! If you have an issue with paying your repayment we will always take time to sit down with you and find a solution. We understand that financial decisions need to be made at all hours of the day and night, so we aim to make time for you whenever you need it.

Consolidate your debt

We can help you manage your debt with our easy debt consolidation loans. Whether you would like to pay a little each week or make a bigger payment every month, choose what suits you with our debt consolidation loans.

Alternate Finance Services

Loan requirements to obtain loan approval go beyond your credit rating at Alternate Finance – we prefer to look at the security you have rather than your income.

If your credit rating is below average, you can still borrow money. With flexible repayments and terms to suit your situation, we make it easy. You will receive a better interest rate – why pay more through dealer finance? See our Loan Rates Comparison Page to see how we stack up.

Low-interest rates to get you debt-free faster

We offer very competitive loan rates compared to many other lenders. Low-interest rates personal loans are very important when consolidating your debt because the less you have to pay, the better off you are with extra money to spend on the things that really matter!

Alternate Finance – Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate 13.9526.98% p/a
  • Loan Amount up to $1,500
  • Repayment 6 months to 3 years

Benefits of Alternate Finance

  • Apply fast online
  • Flexible repayment terms
  • Lower interest rates

Live a debt free life by applying for a debt consolidation loan with Alternate Finance

Alternate Finance is a much-respected financial services provider that operates from offices in New Zealand.

Since the company was founded over 30 years ago, they have provided countless local New Zealanders with personal loans, emergency loans, debt consolidation loans, quick loans.

Their affordable debt consolidation loans help with:

  • Baycorp bills- they can pay them off and clear your bad credit rating
  • They can turn your accumulation of bills into one easy payment
  • Pay an unexpected bill
  • Repay other loans or hire purchases
  • They will create one easy payment to manage all your outgoings that are within your budget

Alternate Finance can help you manage your debt with their easy debt consolidation loans. Whether you would like to pay a little each week or make a bigger payment every month – select whatever suits you best with their debt affordable consolidation loans.

Customer Reviews & Testimonials

Alternate Finance offered me the lowest interest rate on my loan so I was able to actually save money and pay off my debt faster!

Zack D
— Dunedin —

Excellent services from their consultants and the interest rate is amazing.

Bernard H
— Napier —

Alternate Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed