Rating based on 47 reviews

Alternate Finance

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

In-page navigation

Alternate Finance homepage
Author Alternate Finance. Screenshot of Alternate Finance website.
[Accessed July 3, 2019]

Alternate Finance - Always ready to help

The reason we give our customers a free gift after their loan application has been approved is nothing but a little motivation gesture.

We are encouraging them and reassuring them that there is nothing wrong with asking for a loan from time to time and Alternate Finance is always willing to help.

Loan options

Our personal cash loan options are available to everyone that meets our criteria and is in good financial standing. We are not looking for someone who has a perfect credit history because we know there are very few people that actually do.

We are simply looking for someone who won’t skip payments and someone who will commit to ensuring that his loan is always paid and up to date.

Alternate Finance loan calculator

We always advise our clients to make use of the loan calculator before applying for credit online. This way, they will have an almost accurate figure of how much they would have to pay on the loan they are borrowing, the periodic intervals and how much they can borrow.

Although you may realize that you qualify for a slightly higher amount than the one you had in mind, always apply for the initial amount.

Money is tempting, but it is not ideal when you have to pay for the money you didn’t really need at the time.

A loan for any occasion

We are not strict and won’t ask you a million questions during a stressful time. We will grant you the quick loan that you need if you meet our requirements.

Alternate Finance Services

Customers who would like to apply for a payday loan can do so by completing the online application form.

The application form is easy to complete and everything is available at your convenience electronically. If you have any questions on how to fill up the online application form, please don’t hesitate to contact us and one of our consultants will clarify everything for you.

Loan requirements

We ask general questions such as your personal details, employment information and your salary details. All these questions should be answered truthfully and without fail. Should we find that you weren’t honest during the short-term loan application, we will not process your loan application any further.

Required documentation 

The documentation will differ from one customer to the next. However, we always require certain documents as part of the verification process.

We normally check if there is corresponding data between the information stipulated on your application form and the documents submitted to us.

Again, if we find that there are huge discrepancies raised, we will not be able to process your fast cash loan application any further.

Funds are accessible soon after approval

We always try our level best to ensure that we provide fast and reliable services. We will do everything we can to ensure that the clients get the money deposited into his bank account on the same day. However, all of that will depend on how fast we received the documents we requested.

Alternate Finance – Quick cash loan

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

Benefits of Alternate Finance

  • Funds in your account within 24 hours
  • Low-interest rates
  • Flexible repayments

Quick cash 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 - We go the extra mile for our clients

As much as we try to help everyone who comes to us for one of our instant loans, we know that this won’t always be the case.

As such, should your application be rejected, we will not leave you in the dark. We will assist you on how you can move forward and help you change the red flags that we identified. In the future, once you have cleared everything that was a matter of concern to us, you can try your luck again and apply for a loan at Alternate Finance. We will not turn our backs on you, we will welcome you with open arms and try to help you where we can.

Paying for your loan sooner

If you have sufficient money before the scheduled date of payment, you can pay off your payday loan sooner. This way, you will have one less credit to worry about. We always encourage early payments and this makes us realize how serious clients take their loans.

Missing a payment

Should you miss a payment due to unforeseen circumstances, please contact us as soon as possible. Don’t wait until it is too late to make us aware. Constant failure to meet your financial obligations will give you a bad credit record. A bad credit history may take years to fix.

If you are not certain that you will always have enough money to settle your loan, it is best to not apply for the loan in the first place. The last thing you need is to realize you ruined your credit history because of a loan you didn’t really need at the time.

What to use the loan for

At Alternate Finance, you can use our quick loans for literally anything. Whether it is your car that needs a little service or your dream holiday, we got you covered.

When you have a complaint

We try to keep our customers happy but we know, we won’t always get it right. If you have a complaint against one of our consultants or services, please contact us so we can try to find some common ground and hopefully move on.

Customer Reviews & Testimonials

The reason Alternate Finance is a customer favorite is because they offer reasonable credit deals that always aim to help you in the long run.

Spencer C
— Arrowtown —

The agents at Alternate Finance will answer all your financial queries politely and on time.

Jacob N
— Bluff —

After getting a loan from Alternate Finance, I have never looked back.

Jack W
— Auckland —

Alternate Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed