About Alternate Finance

Alternate was founded in Christchurch on good old Kiwi values, while giving people a fair deal in relation to interest rates, lending flexibility and credit when they need it most, assuming it's within their abilities to make the repayments. People used to visit Alternate in person, but most of our loans are now applied for online, especially for those in Auckland. that said, if you're don't love forms and completing online applications with your private details, we'll happily call you, or jump in the car and visit you for a personal one on one, confidential consultation. We have staff in Christchurch, Wellington and in Auckland that can visit you in your home.

Flexible Repayments

Right back in the begging, Dave, the owner of Alternate Finance noticed that when people were financing cars, people wanted to pay weekly, rather than monthly. This was a gap in the market because most lenders weren't interested in offering this. It meant more internal administration, but weekly was how people were getting paid. IT made a lot more sense to give people the ability to down-pay their loans on a weekly arrangement. These days, we allow our customers to choose between, weekly, fortnightly or monthly so it matches exactly what how your pay check is sequenced. This allows you the peace of mind that your loan will be paid prior to your other spending so you avoid having to default or get any late penalty fees. We also did away with early settlement fees because it makes no sense to penalise someone for a great effort and getting out of debt fast. Our motto is that you should avoid getting into unnecessary debt, but if you absolutely have to, then work with us at Alternate and we'll ensure you get a fair deal.