About Us

Alternate Finance is a locally based Christchurch company which was started in 1983. At Alternate Finance our customer service is focused on you!

We will treat you like a real person

Our staff members are from all different backgrounds so we understand real life situations and hardships. We can relate to what you might be going through, as many of us have been solo mothers or on the benefit at some point and we know that life comes with its ups and downs. But at Alternate Finance, we are here to assist you in these times, whether it’s paying an unexpected bill, buying a new car or just for when you need some extra cash. Come and see us and enjoy being treated like a person, not a number.

We will always make time for you

Even if we have to work late in order for you to get the finance when you need it, we’ll do it! If you have an issue paying your account we will always take time to sit down with you and find a solution. We understand that financial decisions need to be made at all hours of the day and night, so we aim to make time for you whenever you need it.

Community sponsorship

Alternate Finance is actively involved in sponsoring Christchurch and New Zealand charities. Over the last 3 years we have supported numerous Christchurch facilities, including

  • Cross Road Youth with a Future
  • Parenting Inc.
  • Shirley Boys High School
  • Tanden Ministries
  • Mairehau High School
  • Neighbourhood Trust St. Albans Christchurch
  • Nae Nae Charitable Trust (Billy Graham)
  • Gideons
  • Ellesmere Food Bank
  • Sharp Trust
  • Youth Alive Trust New Brighton Christchurch

Our customers return to us

Over 80% of our customers return to Alternate Finance in the future. Our customer service is second to none and you’ll even receive a birthday card and a Christmas calendar from the team! Old-fashioned customer service is how we operate, and we’re proud of it. Whenever you are considering getting a short-term cash loan, look to Alternate Finance to help you out.

 

 

USE OUR HANDY LOAN CALCULATOR

I want to borrow:
I can afford to repay (per week):

THIS IS WHY YOU WANT TO BORROW FROM US

Better Interest Rates

WE GIVE YOU BETTER INTEREST RATES

We pay more through dealer finance?
See our Loan Rates Comparison page to see how we stack up.
Easy loan repayment options

WE MAKE IT EASY

With flexible repayments and terms to suit your situation.
We look beyond credit ratings

WE LOOK BEYOND YOUR CREDIT RATING

We prefer to look at the security you have rather than your income.
If your credit rating’s not so flash, you can still borrow money.