Rating based on 24 reviews

Alternate Finance


  • Low-interest starting from 13.95%
  • Loans bad credit up to $15,000
  • Repayment up to 3 years

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Author Alternate Finance. Screenshot of Alternate Finance website. [Accessed May 23, 2018]

About Alternate Finance

If you need a loan but don’t have the best credit rating, consider using Alternate Finance.

The largest selection of easy loans for bad credit in New Zealand can be found at Alternate Finance. Within 24 hours of applying, you'll receive your money in your bank account.

Bad credit loans in New Zealand, fast and easy

They prefer to look at your security rather than your income when determining your eligibility for a loan. You can still get loans for bad credit if your credit rating isn't stellar.

They make it simple for you by offering a variety of repayment options that can be tailored to your specific financial condition. Why pay more for dealer financing when you can get lower interest rates from them?

Get out of debt quickly with bad credit loans 

When compared to other lenders, they offer extremely low-interest rates. The faster you can pay off your debt, the more quickly you may become debt-free, which is the slogan of Alternate Finance.

Be treated like a person

They know that life has its ups and downs, and they can help you. It can be hard to pay an unexpected bill or buy a new car on your own. At Alternate Finance, they can help you with even car finance. When you visit them, they will treat you like a person, not a number.

What Alternate Finance can offer you

Easy loans for bad credit can be used in a variety of ways, and that's something they are familiar with.

Even in the best of circumstances, the cost of living in New Zealand can be prohibitive, and they understand that not everyone has a piggy bank with them at all times. Please contact them if you need an online loan immediately if your payday did not arrive soon enough, so they will see what they can do.

No need to panic if you can't pay

If you have too many loan repayments, they may be able to help you by arranging a debt consolidation loan for bad credit by combining them all into one loan to lower your monthly payments and make your life easier.

Estimate Your bad credit loans in advance

Request a loan in the range of $800 to $15,000. Weekly payments could range from $30 to $350, depending on the situation.

Bad credit loans for New Zealanders

To ensure that you get the money you need when you need it, receiving a fast loan approval is critical. You may be able to get loans for bad credit from Alternate Finance if you're short on cash and your next payment isn't coming soon enough.


Alternate Finance Product Details

  • Loan Type Loans bad credit
  • Interest Rate 13.95 – 26.98% p/a
  • Loan Amount up to $15,000
  • Repayment 6 months to 3 years
  • Decision 1 hour

Alternate Finance has a easy application to apply for a quick bad credit loan

As far as they are concerned, easy loans for bad credit can be employed in a variety of ways.

At the best of times, living in New Zealand can be expensive, and you might require extra funds to help you through. Contact them if you need an online loan today.

Steps to follow when applying for bad credit loans 

  1. Fill out the online application form.
  2. Submit all of the required documentation.
  3. Wait for your loan for bad credit to be approved.
  4. The money will be paid directly into your account.

Criteria you will need to meet when you apply for bad credit loans 

  • It is required to show proof of a source of income.
  • Identifying documents is essential in securing your bad credit loan.
  • You must be a minimum of 18 years old to apply for this loan.
  • Identification as a method of confirming your residency.
  • For them to reach you, provide your phone number and email address.

Benefits of applying for a bad credit loan with Alternate Finance  

  • Access New Zealand's best loans for bad credit.
  • Nation-wide assistance.
  • Approval of loans is streamlined and fast.

Clients that return for bad credit loans time after time

Most of their customers return to Alternate Finance again and again. Customers will receive a birthday card and a Christmas calendar from the team as a thank you for doing business with them, that is how much they care about their clients.

Quick approval for bad credit loans

Alternate Finance does preliminary credit checks in as little as 60 minutes, and if the answer is affirmative, they can approve your loans for bad credit within a few hours. Within 24 to 48 hours of their formal approval, you'll be able to access the funds in your account.

man holding thumbs up

Alternate Finance is a trusted & reliable provider of loans bad credit

In our review, Alternate Finance adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Alternate Finance is a registered credit provider in New Zealand: FSP7401

Customer Reviews & Testimonials

August 2020

An absolutely painless experience, both in applying for the loan and getting the money. It really got me out of my bind!

Tiffany W
— Christchurch —

December 2020

I really enjoyed how convenient and expedited the process was having been able to do it all online.

Greig B
— Nelson —

June 2021

They were very helpful and went the extra mile for me. They helped me get the loan so quickly. Please keep up with your excellent work.

Naidoo R
— Paraparaumu —

June 2021

This lender offers fast funding and flexible payment options. Additionally, you don’t need stellar credit to qualify for a loan with them.

Irish B
— Mosgiel —

August 2021

The process was easy and the associates were very knowledgeable of the offers. They helped me choose the right options and work on a plan to pay the money back.

Becker A
— Porirua —

Alternate Finance Contact Details

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed