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Online Personal loans NZ-Wide

We understand that online personal loans can be used for a number of different situations. Living in New Zealand can be expensive at the best of times, and we know that not everyone has a piggy bank that they can raid whenever they need to.

If you need an online loan and you need it quickly (payday never comes soon enough), then please get in touch and we’ll see what we can do to help you out. Our customers use online personal loans from Alternate Finance for a number of reasons, including

Online Personal Loans
clock illustration for online personal loans nz

APPLY IN UNDER 8 MINUTES

Get online personal loans from Alternate Finance, and you’ll receive up to 36 months to make repayments unless arranged otherwise. You’ll receive an annual interest rate that ranges from 13.95% to 26.98% p.a.

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

To get personal loans NZ-wide from Alternate Finance, it’s important to understand our terms and conditions. When you apply for your personal loan, you’re granting Alternate Finance permission to store your information. Alternate Finance endeavours to keep all information on this website accurate and up to date, in regards to your personal loan. Any inaccuracies found, if brought to our attention in writing, will be dealt with within a reasonable time. For further details about the terms of your personal loan, please follow this link.

Your details are data protected when applying for a loan, 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 online personal loans from Alternate Finance, and you’ll receive up to 36 months to make repayments unless arranged otherwise. You’ll receive an annual interest rate that ranges from 13.95% to 26.98% p.a.

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

To get personal loans NZ-wide from Alternate Finance, it’s important to understand our terms and conditions. When you apply for your personal loan, you’re granting Alternate Finance permission to store your information. Alternate Finance endeavours to keep all information on this website accurate and up to date, in regards to your personal loan. Any inaccuracies found, if brought to our attention in writing, will be dealt with within a reasonable time. For further details about the terms of your personal loan, please follow this link.

Your details are data protected when applying for a loan, 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.

Personal Loan Calculator

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Did You Know?

Best Personal Loans NZ

Best Personal Loans NZ

More than 80% of our customers return to us for their future personal loans. We pride ourselves on fabulous customer service, we treat everyone with respect and love helping out wherever possible. Customer loyalty is important to us.

Responsible Lenders

Responsible Lenders

Alternate Finance is fast becoming one of New Zealand's favourite finance companies. We lend to individuals, as well as businesses. We try and make it as easy as possible to apply while acting as a responsible lender. It's never a good idea to get into financial worries, so we help our customers manage their finances if things ever get tough.

Personal loans NZ-wide

Personal loans NZ-wide

Alternate's office is located in Christchurch, but we lend money to customers all across New Zealand. We have representatives that can visit our elderly customers in Auckland, Wellington, Dunedin, Nelson & Christchurch. If you're rural and you'd like the personal service, please contact us.

What If I can't make payments?

What If I can't make payments?

If you end up with too many loan repayments and life starts getting on top of you, feel free to reach out and maybe we can organise a debt consolidation loan to help reduce your weekly payments and make things more manageable.

Online Personal Loans NZ Interest Rate

Online Personal Loans NZ Interest Rate

We often have cheaper interest rates than our competitors. You can see this at our Rates and Fees. If you have any questions at all about our online personal loans interest rates, please feel free to give us a call.

Fast Cash Loans

Fast Cash Loans

After you submit your online personal loan application, you will hear back from us within 60 minutes and you could receive the money within 24 hours. If you haven't heard from us, please pick up the phone and we'll happily let you know the progress of your loan application.

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

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