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Alternate Finance is the home of New Zealands widest variety of Online Loans. You can apply easily in just 8 minutes and have your cash in your account within 24 hours.

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Quick and easy cash loans in NZ

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?

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Low-interest rates. Get debt-free fast.

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 motto, making us one of the most reputable and trusted loan companies based in Christchurch, serving New Zealand.