Rating based on 32 reviews

Alternate Finance

  • Personal loans up to $15,000
  • 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 3, 2023]

About Alternate Finance

Alternate Finance in New Zealand is just what the names says: Alternate! We are not a bank; we are an alternative financial solutions firm which has been delivering on high-quality services since 1983.

Our loans will suit your individual needs

As an originally based Christchurch Company, we base our NZ lending services purely on our customers. We treat all our clients individually attending to the specific needs in co-ordinance with their financial criteria.

We understand that no two people are the same. Our incomes and financial needs differ in many ways. We take all these factors into account when signing up our new clients. There are often circumstances which call for urgent cash flow.

We're here when times get tough

Not everyone has a backup savings account to fall back on when tough times arise. Alternate Finance is there for you when times get a little tough, and we can assist you with a full range of personal loans - custom created to fulfil your needs and be affordable to all income bracket holders. Our services are made simple and quick, allowing you to have full contact with our team of experienced financially minded team members. We will always make time to answer any questions you may have in regards to your loan.

Get over a cash flow shortage

Don’t let the shortage of cash take the wind out of your sails. There is always a solution to your financial needs at Alternate Finance. We are here to help you get back on your feet, and take control of your finances once again with a short-term loan online. Call us today or send us an email enquiry. One of our consultants will gladly assist you.

Alternate Finance Services

Alternate Finance offers a quick and simple solution to getting finance. When you in the market for a quick cash, we have every product available in the market to offer you.

Our competitive rates are very appealing to those who need personal loans, debt consolidation, car loans or home finance. With secured and unsecured loan options, you have a choice!

Get your finances in order

Now you CAN afford the wedding of your dreams. Get that beautiful ceremony with all the bells and whistles with our personal loan options. These loans can also be used for your long awaited holiday with your family, repairs or renovations to your home, or for paying off those collected bills from schooling or doctors. Vehicles can be costly when it’s time to upgrade; we have a loan to suit your vehicle preference. You can get approval on your loan within 60 minutes of application.

Competitive fees just for you

There is no doubt about why over 80% of our existing clients come back to us for their next quick loan. Our rates and fees are incredibly competitive and our service turnaround times are fast. Who wants to wait for days or weeks before they have access to cash when they in a hurry? Not our clients!

We deliver every time

Your needs are important to us, delivering on our client's expectations are our goal. We provide and deliver on our promises to our clients, giving them the financial means efficiently and quick as possible through our loan application process. Contact Alternate Finance today, and get your cash within 24 hours to use as you wish.

Alternate Finance – Personal loan

  • Loan Type Personal loans
  • Interest Rate 13.9526.98% p/a
  • Loan Amount up to $15,000
  • Repayment 6 months to 3 years

Benefits of Alternate Finance

  • Apply fast online
  • Flexible repayment terms
  • Better interest rates
  • Also offers loans for bad credit

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Do you need emergency cash?

Alternate Finance in New Zealand offers an array of solutions for clients looking for financial assistance through loan products.

We serve our clients with a customised loaning solution which puts you in control of your finances. When you short of cash and need a little boost, let Alternate Finance get you the cash you need to get back on track.

Unbelievably low rates

We offer our clients fees and rates which will grab your attention from the very beginning. Our impressive fee structure ranges between 13.95% and 26.98% per annum. To apply you only need to follow a few simple steps. Complete the online application form which take just a few minutes of your time. To qualify you would need to be over 18 years old, be a New Zealand resident and have a regular wage going into your banking account.

Do you qualify for a Personal loan?

The next step would be the qualification round, where we do a few credit checks and see if you are able to afford the instalments for the amount of cash you need. Once your application has been approved, we will send you the necessary documentation to sign and your application will be complete. Our terms are usually over a three years period in which you can pay off your low rate personal loan. This also depends on the amount and kind of loan you choose. Should you be choosing a larger amount on your loan, you may need to provide security or a guarantor to sign on your behalf.

From then your loan will be deposited into your bank account, and you will have access to your funds within 24 hours. It’s that easy! Like all short-term loans, you would have to stick to your repayment agreement. Any default in payments could result in a penalty of a 10% charge. However, should you stick to your payments on time each month, there will be no extra unexpected fees charged to you.

Alternate Finance also provides loans for bad credit.

We have the product you need to use for anything you like. With a few clicks, you could have cash in your account within 24 hours of your approved application.

Customer Reviews & Testimonials

Alternate Finance is exactly that, I needed a loan and could not obtain one from my bank. Alternate Finance had no issue giving me an unsecured loan. I can highly recommend them.

Chrissy G.
— Gisborne —

Simple online application, very low-interest rate and quick access to funds.

Bette A.
— Whakatane —

I was impressed when I was able to access my loan amount the next day.

Darion K.
— Christchurch —

Alternate Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 7130, Sydenham, 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