Need a quick cash loan?

We help beneficiaries, we help with debt consolidation and give personal loans for just about anything.

Cash in your account – just 24 hours.

USE OUR HANDY LOAN CALCULATOR

I want to borrow:
I can afford to repay (per week):
  • Have attained loans through this company a couple of times. The team are really helpful and it's such a quick and easy process. Will definitely use them again for future loans.

    Tamara Gliddon Avatar
    Tamara Gliddon

    Have attained loans through this company a couple of times. The team are really helpful and it's such a quick and easy process. Will definitely use them again for future loans.

    A Google User Avatar
    A Google User

    Great team, always very helpfull and on the ball. My partner applied for a loan 1 month back and within hours approved, done, easy! Kris is always helpfull and professional. Thanks again.

    caitlin coates Avatar
    caitlin coates
  • Great team, always very helpfull and on the ball. My partner applied for a loan 1 month back and within hours approved, done, easy! Kris is always helpfull and professional. Thanks again.

    A Google User Avatar
    A Google User

    I've been a customer for more then 3years & I have to say they are the most understanding company I've been through, they are very caring & always try to help wherever they can. I reccomend Alternate Finance to anyone who's falling short & need that extra bit of cash.

    Tracey Whatuira Avatar
    Tracey Whatuira

    Easy process and Kris is so helpful. Been dealing with them for a number of years now. Never an issue with dealing with them and they are great at helping to secure loans. Easy terms that are manageable

    SN Langdale Avatar
    SN Langdale
  • Easy process and Kris is so helpful. Been dealing with them for a number of years now. Never an issue with dealing with them and they are great at helping to secure loans. Easy terms that are manageable

    A Google User Avatar
    A Google User

    Best finance team I’ve ever dealt with

    Missjazz Xo Avatar
    Missjazz Xo

    Would recommend to everyone. Great staff who genuinely value their clients and actually care about clients circumstances.

    Kellie Ellingford Avatar
    Kellie Ellingford
  • Awesome people real easy and hassle free, you can get cheaper rates when you deal with them a couple times also they always send you something for your birthday

    April Hutana Avatar
    April Hutana

    I found this company, wonderful to deal with, always friendly and helped in a time of need. Always got a treat on my Birthday too. Thanks Alternate Finance

    Nicole Chasland Avatar
    Nicole Chasland

    I found Alternate Finance to be simultaneously friendly, professional and efficient. As stress free as one could hope for.

    Rich Woodall Avatar
    Rich Woodall
  • The team at Alternate Finance were a great help for me and my mum when we were at a low point in our lives. They will go the extra mile and help you as much as they can.

    Sarah Hill Avatar
    Sarah Hill

    Awesome service

    Talitha Tamai Avatar
    Talitha Tamai

    I have been a customer for a few years and find them very easy and fast with my loan and I know I can do it again when I need too

    Gaylene Bury Avatar
    Gaylene Bury
  • Good.

    Tandi Te Amo Avatar
    Tandi Te Amo

    Been with alternate for years, friendly staff! And always happy to help

    Linda Philip Avatar
    Linda Philip

    Great company to deal with. Quick and efficient application procedure. Would recommend to anyone wanting a loan.

    Nesh Tautari Avatar
    Nesh Tautari
  • Been with them well over 5 years. Awesome to deal with and always willing to help. Highly recommend to everyone.

    Roy Stechmann Avatar
    Roy Stechmann

    I've been a customer of alternate finance for a few years and the staff are always friendly and helpful.

    Alana Harvey Avatar
    Alana Harvey

    Fantastic service and always nice and friendly to deal with. Karen soper thanking you for your help to keep us afloat in times of need. We appreciate you Alternate finance.😊😊

    Sani Masuini Avatar
    Sani Masuini
  • I think Alternate Finance is great and very friendly people to work with. Hassel free loans and so very quick to get a loan sooo greatful.

    Shorten Nails Beauty Avatar
    Shorten Nails Beauty

    Alternate Finance were easy to deal with, nothing seemed to be a problem for them and they were happy to help and answer any of my questions. I found them always happy to help and non judgmental, i will definitely use them again !

    Amy Beacom Avatar
    Amy Beacom

    Extremely easy to get a loan. Super fast and very friendly staff. They will always help if you having trouble with meeting payments to sort it. 10star by me.

    neil osborne Avatar
    neil osborne
  • Alternate finance have been amazing i had a loan a few years ago and got behind they were willing to give me a second chance to get back on track these guys are awsome

    Lisa Johnston Avatar
    Lisa Johnston

    Very easy to deal with. Prompt response via email. Happy to help make things easier for you when things are tight in your life.

    Cheryl Wise Avatar
    Cheryl Wise

    Excellent, fast and friendly service!

    Adele Kelly Avatar
    Adele Kelly
  • Great to deal with. Fast at contacting. Will use again

    Jordon Avatar
    Jordon

    Alternate Finance are great to deal with , fast and efficient kris from Christchurch was friendly and helpful

    dione mccallum Avatar
    dione mccallum

    Have been a customer with Alternate Finance for a few years now and they have been nothing but amazing always there to help when needed...would recommend them to everyone 😊

    Chelsea Kane Avatar
    Chelsea Kane
Emergency Cash Loans

FOR AN EMERGENCY LOAN

Cash advances for unexpected bills & unforeseen costs

We understand that it’s difficult to always plan ahead – juggling everything all at once can be tough. One unexpected bill can bring everything crashing down. We offer quick, easy emergency loans and our rates are highly competitive. What we offer is a fair and transparent service to assist you in your time of need. You may have:

  • Unforeseen medical costs
  • High power bills in winter
  • Unexpected car repairs
  • Christchurch homeowner rates
  • School bills, etc.

FOR A PERSONAL LOAN

Easy and quick personal loans for whatever you need

It might be:

  • a new car
  • a family holiday
  • home renovations
  • a wedding

Whatever it is, we can help. With competitive interest rates, flexible terms and payments to suit your needs, anything’s possible with a personal quick cash loan from Alternate Finance.

Holiday Cash Loan
Debt Consolidation Loan

FOR DEBT CONSOLIDATION

Debts piling up and you need to be paid now?
We can help you manage your debt with our easy debt consolidation loans. Whether you would like to pay a little each week or make a bigger payment every month, choose what suits you with our debt consolidation loans.

  • Baycorp bills – we can pay them off and clear your credit rating
  • Turn your accumulation of bills into one easy payment
  • Paying an unexpected bill
  • Paying off other loans or hire purchases
  • Creating one easy payment to manage all your outgoings that is within your budget

This Is Why You Want To Borrow From Us

 

Quick and easy cash loans in Christchurch

We look beyond your credit rating – we prefer to look at the security you have rather than your income. If your credit rating is not so flash, you can still borrow money.
We make it easy – with flexible repayments and terms to suit your situation. We give you better interest rates – why pay more through dealer finance?

Low interest rates to get you debt-free faster

We offer very competitive loan rates compared to other lenders – we are a genuine alternative. Low interest rates are very important when consolidating your debt because the less you have to pay, the quicker you can become debt free, which is Alternate Finance’s raison d’etre, making us one of the most reputable and trusted loan companies in Christchurch.