Rating based on 1,702 reviews

Alternate Finance

image of Alternate Finance
image of Alternate Finance

Alternate Finance is a registered financial service provider: FSP7401

About Alternate Finance

We're one of New Zealand's most loved alternative lenders that offer some of the lowest rates and fastest turnaround times amongst our competitors.

Alternate Finance strives to serve you, our valued customer, with superior products and great customer service from start to finish.

A lender that's in the lead

We've kept with the times. From our user-friendly online banking platform to our carefully crafted personal loans, Alternate Finance is a lender that has kept with the times and introduced innovation after innovation to complement our products.

What Alternate Finance can offer you

Our services and products are designed to offer you more for less.

When you need a quick loan to buy a car or refurbish your home - choosing Alternate Finance means you can access some of the best rates and the most flexible loan terms.

Our flexible personal loans

Our personal cash loans range from $500 to $15,000 and can be obtained entirely online. We offer a highly competitive interest loan range of between 13.95% to 26.98% per annum with loan terms of up to 3 years. With flexible loans and terms we're a lender that changes lives.

Interest Rate

From 0 %

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Loan Amount



Repayment Term

0 months

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In a Nutshell

  •  Average processing time 1 hour
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

Alternate Finance is the preferred personal loan lender in NZ

If you're looking to consolidate debt with an Alternate Finance loan than you will love our rates which make it possible for you to save money and get out of financial trouble.

Making things clear and simple

While most online lenders claim to be transparent very few of them actually list their rates or fees on their websites. Moreover, they like to use complicated jargon and lots of words to mask the fact that their payday loans are not competitive, expensive and even difficult to obtain.

Apply online in just 10 minutes

Applying for a loan may not sound like fun but, with our advanced and simple online process - you no longer need to sweat it. You can apply for a loan in 10 minutes and you can receive you quick loan minutes after applying!

Get  the loan that you need

Our company can offer you the best loans with the greatest interest rates and payments per month. We offer to ensure that the loan that you are taking will suit all your needs and wants and that you will be happy with the loan that you apply for. We will also make sure that the loan that you have acquired will be the best for your financial situation.

You can get debt consolidation with us

We will help you if you need to pay off other lenders and you would like to just be able to pay one sum of money a month instead of paying all the lenders different values. Well with our company we will offer you that loan and consolidate with the lenders and give you the loan that you need to pay off all your lenders. We will pay them off and then you will just have to pay your loan back every month.

Our application

Once you click on apply now you will see that our application has been designed not to take us your whole day. Our questionnaire will take you 15 minutes to complete please remember your ID documents and bank statement.

Eligibility & Requirements

  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Earning a stable income
  •  Credit check
  •  Can you provide security
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Fast cash loans
  • Holiday loans
  • Emergency loans
  • Funeral loans
  • Debt consolidation loans

Customer Reviews & Testimonials

April 2019

I would recommend Alternate Finance when I was applying for my loan and got stuck I phoned them and they assisted me right away

Peter S
— Auckland —

December 2018

Alternate Finance has a quick and easy online application and the application results are quick.

John S
— Dunedinand —

 Find us here

50 Sandyford Street, Christchurch
New Zealand

Postal Address

PO Box 7130, Christchurch, 8240, New Zealand

 Get in contact