Fast Online Loans NZ-Wide

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

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Online loans NZ has come to love

Alternate Finance is the home of New Zealand's widest variety of Online Loans. You can apply easily in just 8 minutes and once approved, in most cases, you can have cash in your account within 24 hours. Subject to our credit checks process and in accordance with the NZ responsible lending code.

Online Personal Loans

Financing Dentist Bills

We can help you finance a wide range of dental procedures, from cleanings to more complex treatments like orthodontics or root canals.

Debt Consolidation

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

Online Personal Loans

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

Emergency Quick Cash Loans

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

Loans for Beneficiaries

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

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 loans apply 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.

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.

Fast Cash Loans

Apply for fast loans in under 8 minutes, using our online application form & repayments calculator. Responsible lending criteria and credit checks apply.

Home Renovation Loans

We help Kiwis get their first home loan with a loan for house deposits.

Home Loan Deposits

We help Kiwi's get their first home loan with a loan for house deposits.

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.

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.

Online Business Loans

Asset Finance

We provide asset finance business loans for the purchase of equipment and tangible assets.

Construction Loans

We help small businesses in New Zealand to get construction loans for their building agreements or joint ventures.

Equipment Financing NZ

We help New Zealand companies to buy new equipment like tractors, computers, farm equipment and other machinery via equipment financing. We can also help you in upgrading equipment or buying second hand.

Small Business Loans

Small business owners often get declined by banks because their venture's trading history isn't long enough for the bank. We at Alternate Finance are happy to provide a business loan. for you

Venture Capital NZ

We provide venture capital NZ-wide and even short-term loans throughout New Zealand to help get your business idea off and running. Give us a call to know more about the fees and interest and loan agreement for venture capital options.

Fast Bridging Finance

We help with fast bridging finance so you don't miss out on the perfect buy, while waiting for yours to sell. Responsible lending, terms and criteria applies. .

Online Vehicle Loans

Classic Car Loans

Classic Car Finance. Borrow Up to $150,000 here, over 36-48 months..

Caravan Finance

RV Loans for second-hand campers. Borrow Up to $150,000 here, over 36-48 months..

Finance For Motorhomes

RV Loans for second-hand campers. Borrow Up to $150,000 here, over 36-48 months..

Tiny Home Finance

Get your tiny home finance pre-approved so you negotiate as a cash buyer. Apply for tiny home online loans NZ-wide.

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.

1st Class financial services

Quick, easy cash loans in NZ

We look beyond your credit rating and prefer to also look at the security you have as well as your income. If your credit score isn't perfect, there's still a possibility you can still borrow money from Alternate Finance assuming you meet our criteria and we're lending in accordance with the responsible lending code.

We make it easy with flexible repayments and terms to suit your situation. We give you better interest rates with reasonable terms and conditions. Why pay more through dealer finance?

Cartoon dog with cash and stacked gold bars.

An alternative to the banks

Alternate Finance is a Christchurch finance company that lends across New Zealand. If you're thinking about consolidating debt, it only helps if the new loan costs less in total than the debts it replaces, so compare the total cost over the full term, not just the repayment. We'll look at what you can afford to repay, and once your rate is set, it's fixed for the term of your loan.

Our rates and fees

Our interest rates range from 9.95% to 26.98% p.a., depending on your circumstances, credit history, security and loan amount, and once set your rate is fixed for the term of your loan. An establishment fee applies to every approved loan, from $135 to $995 depending on the loan amount. A monthly administration fee of $10, plus $5 for each additional borrower, is included in your instalments. Other fees may apply. Full details, including early repayment and default charges, are on our rates and fees page.

Comparing lenders? See how we compare with other finance companies in NZ.