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.

Online Loan Calculator - Cash Loans Approved Today.

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Repayment Details

1 YEAR

Your Weekly Repayment

$22.60 PER WEEK

* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.

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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.

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.

Example Loan - $2,000 Over 12 Months

If you borrow $2,000 from Alternate Finance over a 12-month term, your repayments will vary depending on the interest rate you’re offered. Below is a comparison of what you might expect to repay at both the lowest (9.95%) and highest (19.95%) fixed interest rates currently available. This includes all standard fees, such as a $245 establishment fee and a $5 monthly account fee. Of course, you can also choose the repayment amount to be adjusted with weekly and fortnightly payments. After your personal finance loan application process is approved, we'll send you a formal offer, and you'll get to choose the best loan terms to suit your lifestyle. Apply online today.

Loan Details	At 9.95% p.a.	At 19.95% p.a.
Loan amount	$2,000	$2,000
Term	12 months	12 months
Interest rate (fixed)	9.95% p.a.	19.95% p.a.
Establishment fee	$245	$245
Monthly admin fee	$5	$5
Estimated total interest	$115.80	$235.92
Total to repay	$2,360.80	$2,678
Weekly repayment (includes admin fee)	$47.71	$50.02

These examples are estimates only and represent our loans online. Actual loan terms and rates may vary based on your financial situation, credit history and responsible lending assessment. Fees correct as at August 2025.