Lending Criteria

Lending Criteria

Applying for a Crester Credit loan is simple and takes just a few minutes.
Apply Now

Borrowing from Crester

Credit is easy!

To be eligible for a Crester Credit loan you just need to meet the following criteria:


You need to have a stable address
(provide bills or lease agreement as proof)


photo id

You need to have a Photo ID, such as passport, driver licence etc.

Borrow money,
even if your
credit rating
isn’t the best

We also offer cash loans up to $2,000 for beneficiaries and people with bad credit ratings all over New Zealand. If your credit rating isn’t so great, that’s OK with us (we just can’t accept people who have been declared bankrupt or insolvent).

  • We make loans easy – with flexible repayments and terms to suit your situation.
  • We give you better interest rates on loans – why pay more through dealer finance?
  • We look beyond your bad credit rating – we prefer to look at the security you have rather than your income.

We lend money to people who:

  • Are receiving unemployment benefit
  • 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?

  • More than 80% of our customers return to us for their future 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.
  • We accept loan applications from people anywhere in New Zealand, not just Christchurch. This means low-interest 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.
  • 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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