Online Loans NZ Wide - Fast Cash Loans, Beneficiary Loans & more

Alternate Finance - Home of online loans NZ wide. We provide a range of personal loans, such as benefit loans, medical finance, vet loans, we help with bridging house deposits, and we also offer business loans for equipment or cashflow injections. Browse our site, and if you have any questions, please feel free to reach out.

Loan Calculator - Get A Cash Loan In Your Account Today.

I want to borrow:

I can afford to repay (per week):

Paying off $ at $ per week will take:

8 MONTHS*

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* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

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Our customer rating

4.7 / 5

APPLY NOW

* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

Your data is secure

Trusted by

Our customer rating

4.7 / 5

Customers love the experience

Have been a customer for a few years now and they are really friendly and helpful. This is the company that helped me get back into good credit. Highly recommend as a stepping stone back into the world of credit.

Nadezna Walsh

Alternative finance Christchurch are the best finance crew. The staff are really helpful they are kind understanding. Kris and Karen are AAA+. They are very professional they don't make you feel like a number or a dollar sign

Josesphine Peawini

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

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

Great company for when you need that loan. The procedure is straight forward and the money is available overnight. The staff are helpful and understand people such as myself. When I got the ok to buy a car I was thankful I was with alternate finance. Very patient and innovative ( free gifts ) I call it trending. I am sure you will become a happy customer too. Thanks alternate.

Talei Jamieson

Types of Online Loans

Alternate Finance is the home of New Zealands widest variety of Online Loans. You can apply easily in just 8 minutes and have your cash in your account within 24 hours.

Construction Loans

We help Kiwi builders get construction loans through win/win agreements. Just ask us how 🙂

House Deposit Loans

We help Kiwi's get their first home loan with a loan for house deposits. Just ask us how 🙂

Equipment Loans NZ

We help businesses grow with equipment financing, and asset loans that will improve the productivity of your business.

Asset Finance

Yes, we help businesses grow with asset finance, business loans for the purchase of equipment and tangible assets.

Venture Capital NZ

We provide venture capital NZ-wide to entrepreneurs with ideas that need a little capital for their growth aspirations.

Loans for beneficiaries

Yes, we provide loans for beneficiaries, provided you can afford the repayments. Often referred to as WINZ loans.

Fast Cash Loans

Apply for fast loans in under 8 minutes, using our online application form & repayments calculator.

Online Personal Loans

Apply for a personal loan in under 8 minutes, using our online application form & repayments calculator.

Emergency loans

We're here to help with quick cash loans when life throws a curveball. If you just need a quick helping hand, Alternate Finance can help.

Debt Consolidation

Combine all your debt into one simple debt consolidation loan, making your repayments easy to manage and affordable.

Car Loans

It's often cheaper to buy a new car than to repair an old one. Car loans or loans for any vehicle are common at Alternate Finance.

Pet Finance

Our fur buddies can throw us surprise bills occasionally, so if you need a hand paying the vet, apply in under 8 minutes for pet finance.

Loans For Students

Luckily, Alternate Finance has a loans for students package where we fast-track you out of a tricky situation with a personal loan.

Holiday Travel loans

We all deserve a break from time to time, so rather than maxing out on an expensive credit card, view our travel loansapply for a travel loan instead.

Medical Finance

There's nothing more important than your health, so if you need additional funds, if you need a medical loan, we'll be quick to respond.

Small Business loans

If the bank said no, or you just want a different lender with different terms, Alternate will happily consider lending for a business loan.

Funeral loans

We make getting a funeral loan, fast and hassle-free. It's a tough time when someone passes and helping with a quick loan can take a lot of stress away.

This is why you want to borrow from us

Quick and easy cash loans in NZ

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. Get debt-free fast.

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 motto, making us one of the most reputable and trusted loan companies based in Christchurch, serving New Zealand.