Rating based on 19 reviews

Alternate Finance


  • Low-interest starting from 13.95%
  • Quick loans 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

With Alternate Finance you never have to feel trapped by an unexpected money matter.

They can help you with a quick loan in no time. Everyone needs a little help every now and then. When life throws you a curveball you need to know that there is always help out there.

They will be there for you with much more than just a quick loan. They are ready and available to assist with all the financial help that you need to prosper. With Alternate Finance you have a friend and not just a lender.

Get a quick cash loan from the dream team

It is often said that the employees make the company. This is very true at Alternate Finance. Their dedicated and experienced staff is more than ready and able to assist you in all your money matters.

Listening to their customers on an individual level and giving the best advice for their unique situation is what makes them different. This way they make sure that you get the quick loan you need and that you can afford it.

If you are on the lookout for a quick loan you can be sure that Alternate Finance has only your best interests at heart.

Quick cash loans from an NZ company

Alternate Finance is one of the only Christchurch finance companies that support the whole of New Zealand. The company started off humbly with the goal of bringing financial relief to Kiwis. A group of innovators that believes in fairness for all of their customers always.

Getting a quick loan is sometimes unavoidable and when it is, you can rest assured that Alternate Finance will take care of it in a fair manner.

What Alternate Finance can offer you

With the great level of customer service, you will receive from Alternate Finance you will be hard-pressed to find a better option. You are treated like a person and not just another number.

The team at Alternate Finance understands that life has a way of sneaking up on you. They treat their customers with compassion and understanding situations is what they do best.

Whether it is paying an unexpected bill, needing cash for a broken-down car, or just needing money for day-to-day things till month-end, a quick loan is only a click away.

Outstanding service for returning customers

At Alternate Finance they believe in keeping to the roots. They believe that establishing a relationship with their customers is the reason for their success and this definitely shows in the growth of their business.

When they say they keep it to the roots they mean doing things the old-fashioned way. They even send their customers birthday cards and Christmas calendars. That kind of dedication makes for returning customers every time.

With more than 80% of their customers returning, you can be sure that a quick loan from Alternate Finance really is different. Their personal approach to lending sets them apart from the rest.

Alternate Finance is your one-stop-shop

Not only does Alternate Finance give quick loans, but they also have a wide variety of other loans available. You don't need to go to different lenders for your money matters because Alternate Finance has you covered.

Never has a lender been so comprehensive in products and services on offer. Everything you need is available in one place. This makes your money matters easy and convenient.

Alternate Finance Product Details

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

We have a competitive advantage and we strive to maintain it

Before you apply for a quick cash loan from Alternate Finance, you should make use of their online loan calculator.

Use the sliders to select your quick loan amount as well as the repayments amount per week. It will then tell you how long it will take to repay your quick loan. If you are happy with the conditions you can hit the apply now button and start the application.

Documents you may need to apply: 

  • You need to produce a copy of a valid photo ID.
  • They will request proof of residence from you.
  • You need to have proof of your income on hand.
  • All your contact details will be required.

Applying for your quick cash loan

Step one:

Use the online quick loan calculator and find out what your borrowing power is. Once you are satisfied you can go online and complete the application. The entire fast loan application process takes only about 8 minutes.

Step two:

As soon as your quick loan application is completed, you can submit it. Your application will then be reviewed by the experts at Alternate Finance and a decision will be made.

Step three:

If your quick loan is approved you will be glad to hear that the money will be deposited into your account within 24 hours. It has never been this easy.

Choosing Alternate Finance can change your life

When it comes down to getting a quick loan, or any other loan for that matter, choosing the right lender is key. Nobody wants to get caught in a worse financial situation.

By choosing to get a quick loan from Alternate Finance, you choose to become part of a family. They are a lender company that understands life often happens unplanned. They give you the best advice and look out for your financial health and well-being.

Benefits of applying with Alternate Finance 

  • They offer quick and easy quick loans in NZ.
  • They offer low-interest rates.
  • You will be debt-free in no time.
  • They care about your financial health.
man holding thumbs up

Alternate Finance is a trusted & reliable provider of quick loans

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

April 2020

Alternate Finance is the best choice I ever made. I have no regrets for choosing them

Lydia W
— Christchurch —

July 2020

I was rushing around, looking for finance options to cover a funeral and at that time, I am glad I found Alternate Finance.

Denise P
— Auckland —

May 2021

When I needed a quick cash loan I was not sure of where to go. Mainstream lenders often have strict lending rules. A friend referred me to Alternate Finance and I got the loan I needed in no time...

Williams N
— Dunedin —

July 2021

Getting a quick cash loan has never been easier than applying from Alternate Finance. Everything was super easy and took about 10 minutes of my time. They deliver on their promise of outstanding ...

Harrison E
— Wellington —

February 2022

I have been returning to Alternate Finance for a few years now. Never have I seen a company that has so much understanding for their customer's situations. I will never use another lender.

Smith E
— Gisborne —

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