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.

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

Emergency Cash Loans



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.



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



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.