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):
  • very quick and polite to deal with, I can understand them

    Crockett NZ Avatar
    Crockett NZ

    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.

    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.

    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

    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

    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

    Best finance team I’ve ever dealt with

    Missjazz Xo Avatar
    Missjazz Xo

    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
  • 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

    Alternate Finance are amazing they have always found away to help me when i have been in tight situations and always give you a chance. i would reccommend them to everybody. keep being amazing.

    Shell #tak Avatar
    Shell #tak
  • Have had multiple dealings with Alternate Finance and in particular Karen who has made the application process quick and hassle free on every occasion. Unable to fault their services thus far.

    Casey Rewha Avatar
    Casey Rewha

    Awesome service, quick, reliable and hassle-free. A+++

    E Girma Avatar
    E Girma

    I have been with Alternate Finance for many years and had loans for many different things ,such a great small team easy to deal with and fast service ,the best company in Christchurch for a loan.

    Sheree Hill Avatar
    Sheree Hill
  • 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
  • Very easy and friendly to deal with . No hidden costs explain everything clearly highly recommend

    katie kamariera Avatar
    katie kamariera

    Very helpful and understanding

    Stephanie Rix Avatar
    Stephanie Rix

    Excellent to deal with. Thank you

    Amy B Avatar
    Amy B
  • Very good people to deal with offering excellent service.

    John Steele Avatar
    John Steele

    Have been a customer with Alternate Finance for 21 year's. Have alway's found them great to deal with. Friendly helpful staff.

    Amber Hamilton Avatar
    Amber Hamilton

    Awesome customer service very easy to deal w highly recommended

    Suzy King Avatar
    Suzy King
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.