Loans for beneficiaries

We are often asked the question: Do you give personal loans for beneficiaries?

The answer is yes, Alternate Finance does lend money to people who receive the benefit in New Zealand. We do this because if you’re receiving income from WINZ, loans are easy to award because we know you have a stable, reliable income.

We need to make sure you can afford the loan and that you can cover the payments from WINZ for your loan and we may ask for some form of security but often, we are happy to help you.

Getting a WINZ loan from Alternate finance is no different to getting a normal personal loan. Just use our online application form and just make a note in the relevant section that you’re a beneficiary:

USE OUR HANDY LOAN CALCULATOR

I want to borrow:
I can afford to repay (per week):

THIS IS WHY YOU WANT TO BORROW FROM US

WE GIVE YOU BETTER INTEREST RATES

Why pay more through dealer finance?
See our Loan Rates & Fees page to see how we stack up.

WE MAKE IT EASY TO BORROW

With online application, flexible repayments and terms to suit your situation.

WE LOOK BEYOND YOUR CREDIT RATING

We prefer to look at the security you have rather than your income.
If your credit rating’s not great, you can still borrow money from us.