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Emergency Loans

Quick Loans For Emergencies

We understand that it is difficult to always plan ahead, and that’s where emergency loans can help. If you have recently received an unexpected invoice or cost and do not have the cash readily available, you may be eligible for quick loans from Alternate Finance. We are based in Christchurch, and we are not like traditional payday loans companies. Our interest rates are highly competitive, and what we offer is fair.

We invite you to apply online for a loan, and we will do our best to get back to you within one hour during standard business hours. If you have any further questions regarding our quick cash loans, you can contact us here.

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Emergency Loan Requirements

Quick Loans NZ Requirements

We are more flexible than traditional lenders, as we understand not everyone has a perfect track record when it comes to their credit rating. Our requirements for quick cash loans may differ from other lenders, so we invite you to fill out our application form or contact us for customised information relating to your situation.

 

If you have a poor credit rating but occasionally need quick loans, you can fill out our loan application form and we will review your unique circumstances to determine whether or not you will qualify for emergency loans with us.

Get quick cash loans from Alternate Finance, and get up to 36 months for making your loan repayments unless you’d like to pay it sooner. Your annual interest rate will be confirmed between 13.95% to 26.98% prior to the loan being issued.

For further details, including our personal loan default interest rate, please visit our rates and fees page by clicking here.

Get quick loans from Alternate Finance in your moment of need, but it’s important not to rush and to completely understand our terms. When making an application for your quick loans, you are granting Alternate Finance permission to store your details and private information. Alternate Finance will keep all information on this website accurate and up to date to the best of our abilities, in relation to your loans. Any inaccuracies found, if brought to our attention in writing, we will look to resolve them within a reasonable timeframe. For further details about the terms of your quick loans, please follow this link.

Your details are data protected when applying for quick cash loans, as we have end-to-end encryption on all of our webforms. All loan information you provide will be treated confidentially and you can have confidence that your loan application will remain secure.

Get quick cash loans from Alternate Finance, and get up to 36 months for making your loan repayments unless you’d like to pay it sooner. Your annual interest rate will be confirmed between 13.95% to 26.98% prior to the loan being issued.

For further details, including our personal loan default interest rate, please visit our rates and fees page by clicking here.

Get quick loans from Alternate Finance in your moment of need, but it’s important not to rush and to completely understand our terms. When making an application for your quick loans, you are granting Alternate Finance permission to store your details and private information. Alternate Finance will keep all information on this website accurate and up to date to the best of our abilities, in relation to your loans. Any inaccuracies found, if brought to our attention in writing, we will look to resolve them within a reasonable timeframe. For further details about the terms of your quick loans, please follow this link.

Your details are data protected when applying for quick cash loans, as we have end-to-end encryption on all of our webforms. All loan information you provide will be treated confidentially and you can have confidence that your loan application will remain secure.

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Did You Know?

Quick Loans When You Need It

Quick Loans When You Need It

Did you know that the average cost of a plumber in New Zealand according to www.moneyhub.co.nz is approximately $90-120 per hour? so if you have a requirement for emergency loans because a plumber discovers the need for a new hot water cylinder that's leaking, you could be up for a bill in the region of $1800 -$2200. Ask Alternate Finance for assistance, and we'll quickly assist in any way we can.

Fast Cash Loans Quickly

Fast Cash Loans Quickly

If you need to get a fast cash loan because of a surprise visit to the vet, you wouldn't be the only one. Our fur-buddy's often get themselves into mischief and a world of pain, so we need to help them quickly. We're here to help with Alternate Finance emergency loans; whether it be hundreds, if not thousands, we can help you spread the payments across 36 months making life a little easier.

What Security Is Required

What Security Is Required

If you require finance from Alternate, we'll need a form of security, such as furniture or tangible assets that you have that aren't essential to you living a healthy life. It's just a matter of having some skin in the game to balance the risk of us lending you the cash. If you're not sure what you can provide, feel free to call, and we can chat about your options.

What Are Emergency Loans?

What Are Emergency Loans?

Emergency loans could easily be needed because of a visit to your dentist for a filling that's fallen out during breakfast. Unfortunately, you'll have no choice to fix it immediately, or you'll be risking the tooth breaking. This could easily cost you up to $500. Getting finance is a quick and easy 8-minute process by using our online application tool. We can take the stress away with a quick loans, enabling easy weekly payments.

Emergency Short Term Loans

Emergency Short Term Loans

Had an accident and need quick cash loans to buy a new vehicle or get your existing one repaired? Alternate Finance is experienced in helping people through difficult times and planning managed payments that are affordable. Emergency finance can be structured in a way that allows you carry on your usual life stress-free.

Alternate's Low Interest Rates

Alternate's Low Interest Rates

If you compare our interest rates against competitors, you'll see that we provide low fees and low-interest rates. In fact, with some repeat customers, the more we get to know that you're a great payer, the more we are likely to give you better interest rates.

Should you have any questions, please feel free to contact our friendly team or view our Frequently Asked Questions.