Rating based on 8 reviews

Alternate Finance

  • Personal loans up to $15,000
  • Low-interest starting from 13.95%
  • Repayment up to 3 years

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Author Alternate Finance. Screenshot of Alternate Finance website.
[Accessed April 17, 2018]

Alternate Finance New Zealand's most loved loans

Alternate Finance offers some of the lowest rates and the quickest turnaround time among our competitors with that being said Alternate Finance is also the most loved alternative lenders in New Zealand.

We continually strive to serve you, we value our customers, we offer a wide range of products and our customer service is great from beginning to the very end of the process. Our team members are professional at what they do.

We have a user-friendly online platform

We are a lender that’s taking the lead. It’s easy to say that with our user-friendly online banking platform to an instant loan that has been carefully crafted that our technology has kept with times, we have introduced innovation after innovation ensuring that our product is of the highest standard.

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

If you’re looking to purchase a vehicle or renovate your kitchen and you need a quick loan to do this then Alternate Finance can offer you some of the best rates and flexible loan terms.

Alternate Finance flexible personal loans

Our offers on personal cash loans can range between $500 and $15 000, make use of our online application. Our interest rates are highly competitive and flexible. We are your number one lender.

Alternate Finance Services

Make use of quick cash loans and pay those unexpected bills!

Our friendly and professional team is always ready to assist your application if you feel that you are running low on cash and need money urgently. All you need to do is apply for a online and it’ll take no longer than an hour!

Each individual has their own unique set of problems; we understand that there will be unexpected bills nobody prepares for the unknown, so when your geyser burst or you need to see a Dr, these are things we don’t budget for and that’s the reason Alternate Finance offers fast cash so that we can help our Kiwis out with a personal cash loan. Plus, we are able to assist with within an hour.

Get a loan fast

Once the application has been completed, you don’t have to sit around all day waiting to hear from us, our goal will be to get back you within 60 minutes (office hours of course) with an answer. Once your application has been approved, the funds will be available within 24 hours. This means you can resolve your unforeseen cost as soon as possible.

Let us help you

Should you have any questions regarding your application, and you’re not sure whether you will qualify for a long or short-term cash loan for Alternative Finance, you are most welcome to contact us within working hours and one of our team members will answer all your questions and advise you on your options. A quick personal cash loan is a short-term solution that will assist you with an unexpected bill.

Alternate Finance – Personal loan

  • Loan Type Personal loans
  • Interest Rate 13.9526.98% p/a
  • Loan Amount up to $15,000
  • Repayment 6 months to 3 years

Benefits of Alternate Finance

  • Apply in only 8 minutes
  • Funds available in 24 hours
  • Low-interest rate

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Alternate Finance - A wide range of loan options

Going on a dream holiday but you can afford it?

Alternate Finance is able to assist yours with your dream holiday, whether you want to pay for the full trip or just need spending money, no problem! We can help you make your holiday a time to remember, a well-deserved break is always welcome.

We all have dreams of getting away from the stresses of everyday life. Choose a destination of your choice and start planning your holiday, book your spot! Make use of a personal loan from Alternative Finance and make your dream a reality.

Use your holiday loan to take away your family, it’s a great way to catch up with family members, go on a romantic getaway with a loved one or perhaps you need time out alone to escape and get some rest or get perspective back into your life, it’s good to have a clear mind and think of what is important in life.

Let face it Kiwis are renowned to have a blast of a holiday whether it’s a European holiday where you have the bells and whistles or just a short getaway in New Zealand, maybe your favorite destination is the Cook Island or the Golden Coast, it doesn’t matter because we can ensure that you have the best time ever

Find out if you qualify for a personal holiday loan, we have a team that’s waiting for your call they will assist with your payday loan application and does everything possible to make it happen. It’s quick and simple, plus it only takes an hour to have your answer.

Why you should consider Alternative finance

We offer better interest rates; you don’t need to pay more through dealer finance, we offer easy loan repayments, it’s easy to borrow cash from us, we offer flexible repayments, our terms are tailored to each individual's circumstances, your security means more than your income plus if we look beyond credit ratings so if they’re not good, we can still borrow you’re the cash

Alternate would love to hear from you, we don’t see you as number, we aim to make each individual feel important, and we’ll assist you with your online loan from the beginning of the process to where your funds are deposited into your bank account because we strive to maintain our relationship with each customer.

Customer Reviews & Testimonials

Alternate Finance makes getting a loan so stress-free. This was the easiest personal loan I’ve ever gotten!

Martin T
— Hamilton —

Great lender for people with a poor credit rating. They were willing to give me a personal loan even with my rating. Thank you so much for all the help.

Tia M
— Dunedin —

Within an hour of sending my application for a personal loan, I was contacted by a consultant. No waiting necessary.

Aroha A
— Gisborne —

Alternate Finance Contact

Contact Number


  • not available


Physical Address

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 –