Bad credit loans

Bad credit loans

Applying for a Crester Credit cash loan is simple and takes just a few minutes.
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Borrow money, even if your credit rating isn't the best

We make it easy for you

With flexible repayments and terms on personal loans for bad credit to suit your unique situation.

We look beyond your credit rating

Bad credit loans with security: we prefer to look at the security you have rather than your income. If you’ve got a bad credit rating, we’re still interested, because no credit check by itself can paint the full picture.

We give you better, low interest rates

Don’t pay more through another online finance or payday loans company you’re not 100% sure about.

Bad credit?

We may be able to help.

We lend money to people who:

  • Are receiving unemployment benefit (beneficiaries)
  • Are receiving invalids benefit
  • Are receiving sickness benefit
  • Are a solo parent
  • Are a widow/widower
  • Are receiving a pension or superannuation
  • Have bad credit

Did you know?

  • Crester boasts a high approval rate with more than 80% of our customers returning to us for their future cash loans. We pride ourselves on fabulous customer service, we love helping out wherever possible and every customer is guaranteed respectful treatment. Customer loyalty is important to us.
  • We accept online loan applications from people anywhere in New Zealand, not just Christchurch. This means bad credit loans in Auckland, Wellington, Hamilton, Tauranga, etc.
  • We have cheaper interest rates than our competitors.
  • After you submit your application, you will hear back from us within 60 minutes and you can have the money within 24 hours – it’s an easy loan process.
  • Should you have any questions, please feel free to contact our friendly team or view our Frequently Asked Questions.

Apply Now
Our online loan application form is fast and easy

If you have any questions,

we're here to help.




Get in touch with one of our

friendly team members today.

We respond to requests immediately, so we’ll get back to you super fast to discuss your request. In the meantime, check out our answers to common questions.


See some amazing feedback by Katrina about team member Tiff and the excellent experience she had with Crester Credit, a truly timely connection.

Katrina's Thanks!

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