Alternate Finance
- Personal loans up to $15,000
- Low-interest starting from 13.95%
- Repayment up to 3 years
[Accessed March 3, 2023]
About Alternate Finance
Alternate Finance in New Zealand is just what the name suggests: Alternate! They are not a bank; they are an alternative financial solutions firm that has been delivering high-quality services since 1983.
Their loans will suit individual needs
As a company originally based in Christchurch, Alternate Finance bases its NZ lending services purely on its customers. They treat all clients individually, attending to specific needs in accordance with their financial criteria.
They understand that no two people are the same. Incomes and financial needs differ in many ways, and they take all these factors into account when signing up new clients. There are often circumstances that call for urgent cash flow.
They’re here when times get tough
Not everyone has a backup savings account to rely on when tough times arise. Alternate Finance is there for clients when times get a little tough, offering a full range of personal loans custom-created to fulfill needs and be affordable to all income brackets. Their services are made simple and quick, allowing clients to maintain full contact with a team of experienced, financially-minded members. They will always make time to answer any questions clients may have regarding their loans.
Get over a cash flow shortage
Clients should not let a shortage of cash take the wind out of their sails. There is always a solution to financial needs at Alternate Finance. They are here to help clients get back on their feet and take control of their finances once again with a short-term loan online. Clients can call or send an email inquiry today, and one of the consultants will gladly assist them.
Alternate Finance Services
Alternate Finance offers a quick and simple solution to obtaining finance. When clients are in the market for quick cash, they have every product available in the market to offer.
Their competitive rates are very appealing to those who need personal loans, debt consolidation, car loans, or home finance. With secured and unsecured loan options, clients have a choice!
Get your finances in order
Now clients CAN afford the wedding of their dreams. They can have that beautiful ceremony with all the bells and whistles with the personal loan options available. These loans can also be used for long-awaited family holidays, repairs or renovations to homes, or for paying off collected bills from schooling or doctors. Vehicles can be costly when it’s time to upgrade, and they have a loan to suit any vehicle preference. Clients can get approval on their loan within 60 minutes of application.
Competitive fees just for clients
There is no doubt about why over 80% of existing clients come back for their next quick loan. Their rates and fees are incredibly competitive, and service turnaround times are fast. Who wants to wait for days or weeks before having access to cash when they are in a hurry? Not their clients!
They deliver every time
Clients' needs are important to Alternate Finance, and delivering on clients' expectations is their goal. They provide and deliver on their promises to clients, giving them the financial means as efficiently and quickly as possible through their loan application process. Clients can contact Alternate Finance today and get cash within 24 hours to use as they wish.
Alternate Finance – Personal loan
- Loan Type Personal loans
- Interest Rate 13.95 – 26.98% 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
Do you need emergency cash – Alternate Finance has a solution
Alternate Finance in New Zealand offers an array of solutions for clients looking for financial assistance through loan products.
They serve clients with a customised loaning solution that puts them in control of their finances. When clients are short of cash and need a little boost, Alternate Finance can get them the cash needed to get back on track.
Unbelievably low rates
They offer clients fees and rates that will grab attention from the very beginning. Their impressive fee structure ranges between 13.95% and 26.98% per annum. To apply, clients only need to follow a few simple steps. Completing the online application form takes just a few minutes. To qualify, clients need to be over 18 years old, be New Zealand residents, and have a regular wage going into their banking account.
Do clients qualify for a personal loan?
The next step is the qualification round, where they conduct a few credit checks to see if clients can afford the instalments for the amount of cash needed. Once an application has been approved, they will send the necessary documentation to sign, and the application will be complete. The terms are usually over a three-year period, during which clients can pay off their low-rate personal loan. This also depends on the amount and kind of loan chosen. Should clients choose a larger amount for their loan, they may need to provide security or a guarantor to sign on their behalf.
From then, the loan will be deposited into the client’s bank account, and they will have access to their funds within 24 hours. It’s that easy! Like all short-term loans, clients must stick to their repayment agreement. Any default in payments could result in a penalty of a 10% charge. However, if clients stick to their payments on time each month, there will be no extra unexpected fees charged.
Alternate Finance also provides loans for bad credit
They have the product needed for anything clients like. With a few clicks, clients could have cash in their accounts within 24 hours of their approved application.
Customer Reviews & Testimonials
Alternate Finance Contact
Physical Address
- 50 Sandyford St Sydenham Christchurch 8023 New Zealand
- Get Directions
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