{"id":5753,"date":"2020-10-20T08:19:17","date_gmt":"2020-10-19T19:19:17","guid":{"rendered":"https:\/\/alternatefinance.co.nz\/?p=5753"},"modified":"2023-02-01T14:30:23","modified_gmt":"2023-02-01T01:30:23","slug":"how-can-i-prepare-to-apply-for-a-loan","status":"publish","type":"post","link":"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/","title":{"rendered":"How can I prepare to apply for a loan?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#The_Loan_Application_Process\" title=\"The Loan Application Process\">The Loan Application Process<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#Loan_Calculator\" title=\"Loan Calculator\">Loan Calculator<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#Online_Application_Form\" title=\"Online Application Form\">Online Application Form<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#Check\" title=\"Check\">Check<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#Success\" title=\"Success!\">Success!<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#What_Do_I_Need_to_Apply_for_A_Loan\" title=\"What Do I Need to Apply for A Loan?\">What Do I Need to Apply for A Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#Why_Choose_Alternate_Finance\" title=\"Why Choose Alternate Finance?\">Why Choose Alternate Finance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#Competitive_Interest_Rates\" title=\"Competitive Interest Rates\">Competitive Interest Rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#Get_Treated_Like_A_Person_Not_A_Number\" title=\"Get Treated Like A Person, Not A Number\">Get Treated Like A Person, Not A Number<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/alternatefinance.co.nz\/how-can-i-prepare-to-apply-for-a-loan\/#Community_Commitment\" title=\"Community Commitment\">Community Commitment<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<div class=\"mycontainer\">\n<div class=\"onecolumn\">\n<div class=\"giveFinanceInfo center\">\n<p>Many customers find it stressful looking for and applying for loans and are pleasantly surprised by how easy we make it to apply for one here at Alternate Finance. Whether you need a loan for a new car, to consolidate your debt, or for an emergency situation, you need the money as quickly as possible. That\u2019s why we make the application process as hassle-free as we can. So, let\u2019s go through what you need to prepare and the process of applying for one of our loans.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Loan_Application_Process\"><\/span>The Loan Application Process<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Loan_Calculator\"><\/span><strong>Loan Calculator<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The first thing you will need to do before applying for a loan is to check out what your repayments may be with the\u00a0<a href=\"https:\/\/alternatefinance.co.nz\/loan-calculator\/\">loan calculator<\/a>. This calculator makes it easy to see exactly how much you would be borrowing, how much you would be repaying, and it lets you know how long it will take to pay off the loan.<\/p>\n<p>Simply enter the amount you would like to borrow into the calculator and how much you can repay weekly. Then it pops up with how long this will take to pay off. This gives you the chance to play around with it and see how much faster you could pay it off if you increase the payments. Even a little more each week can make a huge difference to the length of the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Online_Application_Form\"><\/span><strong>Online Application Form<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Once you\u2019re happy with the amount you\u2019re borrowing, you can head over to our\u00a0<a href=\"https:\/\/alternatefinance.co.nz\/online-application\/\">online application form<\/a>. The quick online application process takes less than 10 minutes to complete, so it doesn\u2019t require a lot from you! You simply need to enter your personal details such as email, phone number, and your full name. You will also need to add in the amount that you would like to borrow and how much you can repay. Plus, we need to know that you can repay the loan so there are some details about your collateral too.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Check\"><\/span><strong>Check<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Next, our expert team will review your loan application. They are checking to see whether it is realistic for you to repay the amount borrowed in the time given. We only give out loans that we believe can be repaid in the timeframe by the person in question. It\u2019s part of our commitment to responsible lending.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Success\"><\/span><strong>Success!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Within 24 hours of you completing the application form, our team will get back to you with the result. Hopefully, it will be good news for you! Then you will quickly receive the money and can grab those essentials you need.<\/p>\n<p>Once you have been approved, you will need to start making repayments. Make these payments on time every week to avoid racking up late payment fees which will add to the length of your loan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Do_I_Need_to_Apply_for_A_Loan\"><\/span>What Do I Need to Apply for A Loan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>We don\u2019t require a lengthy amount of information from you when you apply for a loan. All it takes is a few details and that\u2019s it! You don\u2019t need to prepare anything, just make sure that you have access to your financial information. Applying for a loan with Alternate Finance couldn\u2019t be easier!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Choose_Alternate_Finance\"><\/span>Why Choose Alternate Finance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Why should you choose to go with Alternate Finance for your upcoming loan? We are all about customer service and offering you the best experience possible. Whether you\u2019re applying for a bad credit loan, car loan, or any other type, we treat everybody the same. Here are some more reasons why you should choose us:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Competitive_Interest_Rates\"><\/span><strong>Competitive Interest Rates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Get better interest rates and pay off that loan faster by choosing us. Our highly competitive interest rates start from as low as 13.95%. This is cheaper than what many major credit cards charge! The actual rate that will be offered to you is based on many factors including your circumstances, security, and credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Get_Treated_Like_A_Person_Not_A_Number\"><\/span><strong>Get Treated Like A Person, Not A Number<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>One of the main things that our customers love about us is that we treat everybody like a person, not just another number. It\u2019s the personal touch that matters, and our financial experts take the time to listen to you. We try to understand your situation and offer solutions relevant to you, not sell you things that you don\u2019t need!<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Community_Commitment\"><\/span><strong>Community Commitment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Alternate Finance loves getting involved in the community and sponsoring charities in Christchurch and across New Zealand. In the past 3 years alone, we have supported plenty of facilities in Christchurch. These include:<\/p>\n<ul>\n<li>Cross Road Youth with a Future<\/li>\n<li>Nae Nae Charitable Trust (Billy Graham)<\/li>\n<li>Parenting Inc.<\/li>\n<li>Ellesmere Food Bank<\/li>\n<li>Shirley Boys High School<\/li>\n<li>Neighbourhood Trust St. Albans Christchurch<\/li>\n<li>Tanden Ministries<\/li>\n<li>Gideons<\/li>\n<li>Mairehau High School<\/li>\n<li>Sharp Trust<\/li>\n<li>Youth Alive Trust New Brighton Christchurch<\/li>\n<\/ul>\n<p><a href=\"https:\/\/alternatefinance.co.nz\/contact-us\/\">Contact us today<\/a>\u00a0to find a supportive ear on the other end of the phone if you need to discuss your situation. If you\u2019d like to apply, head to the loan calculator and apply online now. Get your finances sorted with our help.<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Many customers find it stressful looking for and applying for loans and are pleasantly surprised by how easy we make it to apply for one here at Alternate Finance. Whether you need a loan for a new car, to consolidate your debt, or for an emergency situation, you need the money as quickly as possible.&hellip;<\/p>\n","protected":false},"author":4,"featured_media":5754,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"How can I prepare to apply for a loan? Alternate Finance","_seopress_titles_desc":"If you find looking for loans stressful, and applying for them even worse, you&#039;ll be relieved to discover how easy Alternate Finance makes the whole process. 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