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Rated 4.7 out of 5 stars based on 397 customer reviews.

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

Online Business Loans

Online Vehicle Loans

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?

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Low-interest rates. Get debt-free fast.

We offer very competitive online loans NZ-wide with low interest rates compared to other lenders. We are a genuine alternative to the banks and we encourage you to get out of debt as fast as possible. 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 for almost 3 decades.