Here you'll find all types of finance options for Kiwis. Alternate provides easy loans NZ wide, including personal loans, business loans, quick cash loans, and car loans, same day loans, financing for trailers, trucks and motorcycles. & more. If you want to get a loan, we have a fast and easy online loan application process, and you'll be approved within 60 minutes, subject to credit checks, lending criteria, and NZ responsible lending.
Quick Cash & Easy Loans NZ Wide
For quick and easy loans, NZ residents need to look no further! We make online loan applications extremely simple, and we lend money for just about anything. From small loans to big loans, to personal loans to business loans. We finance almost everything, assuming you’re reliable in repayments and have a good credit score. We're the home of fast cash loans in New Zealand.
Small Loans & Big Cash Loans
Our small loans range from $800 - $20,000 NZD, whereas our big loans are usually for businesses financing equipment, asset loans, or businesses requiring funding, such as venture capital. For larger loans, we usually get to know you personally and understand your aspirations and repayment timeline. We also provide solutions for consolidating debt NZ wide, subject to lending criteria and your credit history.
Our application form is simple and straight forwards, so, in an emergency, loans can get reviewed and approved quickly! If you need quick loans, we're here to support you every step of the way.
Easy Loans In NZ - Apply Online
Below you’ll find financing options to choose from, which will direct you to our easy loans application. NZ has tight lending rules, and we pride ourselves in being responsible lenders. Applying for loans online with us is quick and easy, whatever it's for, and for whatever loan amount. Our borrowing team will make an assessment and contact you within 60mins assuming it's within working hours. Affordability is important, so please consider your finances before submitting an application to get cash advances. Although we provide fast funding, we're here to help responsibly and to ensure your financial safety.
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Finance Made Easy In New Zealand
Personal Small Loans - Easy Approval, Instant Finance
Alternate finance provide easy loans NZ -wide and we have provided fast loans for many happy New Zealanders! Once you're a customer, you can have finance approved within minutes. Below are some of the specific uses that you might use personal finance for.
Large & Small Business Loans - Competitive Interest Rates
If you're running a business, there might be times where you need a loan to expand, or maybe you're just under temporary cash flow pressure. Whatever the reason, Alternate Finance would love to be your business loan finance partner and offer you quick loans NZ wide, no matter where you're located.
We understand businesses, and have made the application process simple so you can get quick cash flow when you need it. We also specialise in consolidating debt. NZ businesses often find this useful, so you have all your debt in one place and have a clear view on your finances.
Loans for Vehicles
NZ Loans for vehicles come in many shapes and forms. Whether you need cash for industrial vehicles, such as agricultural equipment, investment classic car purchases or your family car, our lending team can team you up with the right finance product, with the best interest rate and repayment schedule. Once approved, you'll get money in your account within 24 hours.
Easy Loans Calculator
Frequently Asked Questions
How Long Do Small Loans Have To Be Paid Back In?
It’s best to pay off any finance arrangements you have as fast as possible, even if they are in fact small loans because interest will accrue over time. The maximum loan term Alternate Finance offers is 48 months.
Is There An Early Resettlement Fee?
We encourage you to pay off your finance arrangement as fast as possible, so the fees on small loans for settling early aren’t significant and often we waive those fees. Just chat with us to get your settlement payout amount and we’ll run you through the terms.
What Exactly Are Easy Loans NZ?
The term “easy” means that you can apply online in under 5 mins, and if you’ve provided us with all the details we need, we can have an answer back to you within 60 minutes. Once approved, cash be in your account within 24 hours.
Do Small Loans Have Fees & Penalties?
Yes, if you default on your loan repayments, there are fees and penalties, just like all easy loans NZ wide. The best thing to do is to make sure you’re a week or two in advance in your payments, just in case you have a bad week. You can read our terms and conditions in more detail. If you're failing to keep up, don't hesitate to talk to us about debt consolidation loans, to avoid penalties, and refinancing your debt over a term that's affordable for you.
Does Your Online Application Affect My Credit Score?
When applying for small loans, the easy application process is automatically sent to Centrix, an organisation which handles the credit checks. It’s recorded how often you’re applying for loans.
Alternate Finance
Online Loans NZ Wide - Quick Personal Cash Loans
Alternate Finance offers instant cash loans NZ wide and is an established and trusted local money lender with active charitable undertakings.