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Quick Cash Loans For Emergencies

Get fast, emergency loans online, in situations when going to the bank is too slow. If you have recently received an unexpected invoice or cost and do not have the cash readily available, you may be eligible for fast loans from Alternate Finance, subject to credit checks, a healthy credit score and the responsible lending code. We are based in Christchurch, and we are not like traditional payday loans companies. Our interest rates are competitive.

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

Emergency Quick Cash Loans
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APPLY IN UNDER 8 MINUTES

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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 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 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 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 & establishment fee, please visit our 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 responsible lending service. When making an application for your 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 and conditions of our loans, please follow this link.

Your details are data protected when applying for our financial services, as we have end-to-end encryption on all of our web-forms when you’re applying for financing. All loan information you provide will be treated confidentially and you can have confidence that your loan application will remain secure.

Get 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 & establishment fee, please visit our 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 responsible lending service. When making an application for your 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 and conditions of our loans, please follow this link.

Your details are data protected when applying for our financial services, as we have end-to-end encryption on all of our web-forms when you’re applying for financing. All loan information you provide will be treated confidentially and you can have confidence that your loan application will remain secure.

Emergency Loans Calculator

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Did You Know?

Loans When You Need Them

Loans When You Need Them

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

Fast Cash Loans

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 fast. 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. The application process is easy.

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 an easy 8-minute process by using our online application tool and you'll have money in your bank account within 24 hours, once approved. We can take the stress away with quick loans, enabling easy weekly payments.

Emergency Short Term Loans

Emergency Short Term Loans

Had an accident and need fast 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 to carry on your usual life stress-free, subject to credit checks and the responsible lending code.

Alternate's Low Interest Rates

Alternate's Low Interest Rates

If you compare our interest against competitors, you'll see that we provide low fees and low-interest repayments. 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 across your entire loan term.

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Frequently Asked Questions

Loans for emergency expenses provide you with quick access to funds when unexpected bills crop up. They help you cover urgent and unforeseen expenses, such as medical bills, vet bills, urgent car repairs, or home repairs.