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24 Hour Online Loans in New Zealand

Personal loans can be used for a number of different situations and living in New Zealand can be expensive at times. We don’t all have a piggy bank we can raid when unexpected expenses occur, so if you need financial assistance, we can help within 24 hours, subject to responsible lending, credit criteria and credit checks.

If you need a loan quickly and payday and payday feels a mile away, connect and we’ll see what we can do to help you out. Kiwis use personal loans from Alternate Finance for a number of reasons, including;

  • Unexpected bills
  • Home renovation loans
  • Medical & dental expenses
  • Borrow for appliances
  • Loans for deposit on homes
  • Travel loan expenses
  • Wedding expenses help
  • Vehicle repairs
  • Finance for buying a car
  • Consolidation to pay off debt
Online Personal Loans
clock illustration for online personal loans nz

APPLY IN UNDER 8 MINUTES

Get faster online personal loans NZ -wide 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 fees page by clicking here. Terms and conditions apply.

To get personal loans NZ-wide from Alternate Finance, it’s important to understand our terms and conditions. When you apply for your loan amount, 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 faster online personal loans NZ -wide 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 fees page by clicking here. Terms and conditions apply.

To get personal loans NZ-wide from Alternate Finance, it’s important to understand our terms and conditions. When you apply for your loan amount, 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.

NZ Personal Loan Calculator

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Did You Know?

Best Online Personal Loans NZ

Best Online Personal Loans NZ

More than 80% of our customers return to us for their future New Zealand 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 Finance'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.

Types Of Personal Loans

Types Of Personal Loans

Types of loans that are considered personal finance are vehicle loans, emergency loans, pet loans, lending to renovate your home, holiday loans, wedding loans, instant finance for dentistry and most other types of financial lending that don't relate to a business. If you're unsure, just apply online today, and we'll help you with the details once approved.

What If I can't make a repayment?

What If I can't make a repayment?

If you end up with too many loan repayments and financial hardship starts getting on top of you, feel free to reach out and maybe we can organise a debt consolidation loan or other lending options to help reduce your weekly payments and make things more manageable. It's always best to pay weekly, rather than fortnightly or monthly.

Personal Loans NZ Low Interest Rate

Personal Loans NZ Low Interest Rate

We often have cheaper interest rates & establishment fee amount than our competitors. You can see this with our Loan Terms at our Rates and Fees. If you have any questions at all about our online personal loans interest rates or lending criteria, please feel free to give us a call.

Fast Cash Loans - 24 Hour Loans

Fast Cash Loans - 24 Hour Loans

After you submit your personal loan application, you will hear back from us within 60 minutes and if approval occurs, you could receive the money within 24 hours subject to credit checks and being in accordance with the New Zealand responsible lending code. 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. 24 hour loans are very common for us.

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Frequently Asked Questions

Personal finance is money you borrow from a bank or lender to pay for things like a car, home renovations, or unexpected expenses like car repairs or vet bills. The benefits of getting a personal loan include having access to funds when you need them and being able to spread the cost of a large expense over a period of time. However, the risks include paying interest, fees, and the possibility of getting into debt if you can’t afford the repayments. Ensure you know the total costs before applying, or reach out and ask for help.