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

Bad credit can be devastating to any Kiwi since they'll likely be unable to access credit and do things that matter like buying a home or financing a vehicle.

At Alternate Finance we offer bad credit loans to people just like you, so you can get things done when you need to!

Keeping our promises

While many lenders are unable to keep their promises Alternate Finance will do what we say will every time; which is why our customers trust and love us. Our loan application process is simple and our staff are friendly and helpful. You can apply for a loan online 24 hours a day - 7 days a week.

What Alternate Finance can offer you

Our services are aimed at people who have had missed payments, have been refused credit or have even defaulted on loans.

These people generally have very limited borrowing options and need a lender like us who specializes in quick loans for bad credit lending to help them.

What we can offer you

We offer bad credit loans that range from $500 to $15,000 at an interest rate that ranges from 13.95% to 26.98% per annum. Our rates are among the most affordable on the market and can help you save money while taking care of the necessary. Our loan terms range from 6 months to 3 years.

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

At Alternate Finance, our name says it all. We give our clients an alternative solution to getting their hands on the funds they require to make their dreams a reality and to solve some of the financial problems they may have.

Although banks make it difficult to apply for a loan - Alternate Finance is exactly the opposite and will even assist you in completing your online loan application quickly and correctly.

When you apply with us you only need to take about 10 minutes out of your day and you'll be on your way.

Why you'll never be disappointed with us

With flexible bad credit loan terms and bad credit consideration, you'll never be disappointed with us. It's easy and is stress-free - just as it should be. You will need to fill out the form entirely and upload your ID, bank statements and proof of address in order to enable our staff to process it quickly.

Since we at Alternate Finance aims to offer flexible terms on bad credit loan and bad credit consideration you'll never be disappointed with us. Our application and collection process is easy and it is stress-free - just as it should be.

The gift that keeps on giving

An added benefit of doing business with Alternate Finance is that we appreciate your business. Therefore, you will receive a free gift from us with every successful application.


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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 2018

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 2018

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

Greig B
— Nelson —

Alternate Finance Contact Details

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

  • Monday 9.00 – 17.00
  • Tuesday 9.00 – 17.00
  • Wednesday 9.00 – 17.00
  • Thursday 9.00 – 17.00
  • Friday 9.00 – 17.00
  • Saturday – closed
  • Sunday – closed