Meet the Team

The best loan companies have the very best customer service, so that's what we're aiming for. We'll help with questions about how to get a loan, what the best loan type for your situation is, allowing you to pay it off quickly, and we'll make suggestions around debt consolidation to reduce your debts fast. We're here to help, and we're only ever a phone call away unless you live in Christchurch. If you are lucky enough to live in our great city, we are one of the most reputable and longstanding Christchurch finance companies that invite you to walk in our doors and chat with us in person.

clock illustration for online personal loans nz

APPLY IN UNDER 8 MINUTES

user icon with tick expressing agreement with personal loans nz

We will treat you like a real person

Our staff members are from all different backgrounds so we understand real life situations and hardships. We can relate to what you might be going through, as many of us have been solo mothers or on the benefit at some point and we know that life comes with its ups and downs. But at Alternate Finance, we are here to assist you in these times, whether it’s paying an unexpected bill, buying a new car or just for when you need some extra cash. Come and see us and enjoy being treated like a person, not a number.

reset icon for online personal loans nz

Our customers return to us

Over 80% of our customers return to Alternate Finance in the future. Our customer service is second to none and you’ll even receive a birthday card and a Christmas calendar from the team! Old-fashioned customer service is how we operate, and we’re proud of it. Whenever you are considering getting a short-term cash loan, look to Alternate Finance to help you out.

user icon with tick expressing agreement with personal loans nz

Christchurch Owned & Operated

Alternate Finance is proud to be one of the only Christchurch finance companies owned and operated in the South Island, yet supporting Kiwis throughout New Zealand. We're a business that came from humble beginnings, and we treat our customers fairly. You shouldn't borrow money if you can avoid it, but if you really have to, then come to us, and we'll make sure you get a fair deal.

user icon with tick expressing agreement with personal loans nz

Community sponsorship

Alternate Finance is actively involved in sponsoring Christchurch and New Zealand charities. Over the last 3 years we have supported numerous Christchurch facilities, including

  • Cross Road Youth with a Future
  • Parenting Inc.
  • Shirley Boys High School
  • Tanden Ministries
  • Mairehau High School
  • Neighbourhood Trust St. Albans Christchurch
  • Nae Nae Charitable Trust (Billy Graham)
  • Gideons
  • Ellesmere Food Bank
  • Sharp Trust
  • Youth Alive Trust New Brighton Christchurch

Our Locations

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.

 

How we started

Alternate Finance is one of the few Christchurch finance companies which has withstood the test of time. We started way back in 1983. We treat our customers well, and we don't charge ridiculous fees. At Alternate Finance, our customer service is focused on you!