How Long Do Small Loans Have To Be Paid Back In?

It’s best to pay off any finance arrangements you have as fast as possible, even if they are in fact small loans because interest will accrue over time. The maximum loan term Alternate Finance offers is 48 months.

Do Small Loans Have Fees & Penalties?

Yes, if you default on your payments there are fees and penalties, just like all easy loans NZ-wide. The best thing to do is to make sure you’re a week or two in advance in your payments, just in case you have a bad week. You can read our terms and conditions in more detail here.

Is There An Early Resettlement Fee?

We encourage you to pay off your finance arrangement as fast as possible, so the fees on small loans for settling early aren’t significant and often we waive those fees. Just chat with us to get your settlement payout amount and we’ll run you through the terms.

Does Your online Application Affect My Credit Score?

When applying for small loans, the application is automatically sent to Centrix, an organisation which handles the credit checks. It’s recorded how often you’re applying for loans.

What Exactly Are Easy Loans NZ?

The term “easy” means that you can apply online in under 5 mins, and if you’ve provided us with all the details we need, we can have an answer back to you within 60 minutes. Once approved, cash be in your account within 24 hours.

Easily Apply Online For Vehicle Loans In New Zealand.

Loans For Vehicles

Loans for vehicles come in many shapes and forms. Whether it's for industrial use, such as agricultural equipment, investment classic car purchases or your family car, our lending team can team you up with the right finance product, with the best interest rate and repayment schedule. Typically, a vehicle is purchased on finance over a 48-month period, with a deposit. It's best to deposit as much as you can to reduce your interest significantly.

Financing Business Vehicles

If you're using a vehicle to increase business productivity, and it's financially logical to do so, then lending on business vehicles is usually an easier application than a private vehicle. Business vehicles tend not to depreciate as quickly, and generally have demand for resale, which helps offset security when applying for finance.

If your business can show projections of how the new vehicle purchase will improve margins, or profitability, then this gives us great evidence that the transaction is financially viable, assuming you have a good credit history.

Types of Vehicles Loans

Alternate Finance offers easy vehicle financing for private and business customers across New Zealand. Below are some common options, but if you're making an asset purchase, that's not listed below, please enquire or apply with the specific details

Online Personal Loans

Asset Finance

Yes, we help businesses grow with asset finance, business loans for the purchase of equipment and tangible assets.

Construction Loans

We help Kiwi builders get construction loans to fund their building agreements or joint ventures. Specialist in builder online loans NZ-wide

Equipment Financing NZ

We help businesses grow with equipment financing, and asset loans that will improve the productivity of your business.

Small Business Loans

If the bank said no, or you just want a different lender with different terms, Alternate will happily consider lending for a business loan.

Venture Capital NZ

We provide venture capital NZ-wide to entrepreneurs with ideas that need a little capital for their growth aspirations.

Fast Bridging Finance

We help with fast bringing finance so you don't miss out on the perfect buy, while waiting for yours to sell. Responsible lending, terms and criteria applies. .

Frequently Asked Questions

How does finance work when buying a car

It's best to get pre-approved by our finance team, so you can negotiate as a cash buyer. Once you've sealed the deal, we can transfer the cash within 24 hours.

Can i make additional payments throughout the loan term??

Yes, in fact we encourage this so you can pay off your debt quitcker.The more you reduce your debt at the start of a loan, the less compounding interst you'll have to pay. Also, keep in mind that a larger deposit helps you too.

What if I can't make the repayments?

Making repayments is important for you rcredit rating. Our best advice is to get one or two payments ahead, allowing a little breathing space. If you miss a payment, it's best to notify us straight away, and if it's going to be a regular problem, we may look at debt consolidation to make the weekly cost more manageable.

Can you finance cars that are uninsured?

Unfortunately, we need the vehicel to be roadwrothy and insurable. Without this, the vehicle has little value and therefore can't be used as security. It's best to also check if there's money owing on a vehicle prior to you purchasing it. If there is, it becomes your responsibility.

Alternate Finance

Online Vehicle Loans New Zealand Wide

APPLY NOW

Alternate Finance offers fast loans for vehicles in New Zealand and is an established, trusted local financial lender with active charitable undertakings.

Vehicle Loans