One of the Most Trusted Finance
Companies in NZ
With over 40 years in business, Crester Credit ranks as one of the easiest finance companies NZ-wide. Thousands of kiwis trust us for their personal financing, vehicle loan, and business loan needs.
Our fixed interest rates and 100% transparency when it comes to rates and fees makes it easy for our clients to get a loan, and repay the loan without any surprise charges.
We also make the borrowing process easy regardless of your credit or financial situation. No need to jump through hoops to qualify.
4.7 rating with 1,725 Google reviews
Need a Loan? We’ll Process Approval in 1 Hour
Whether it’s a personal loan or for debt consolidation, the loan application process is as easy as calling us or filling out our online form. New borrowers with a good credit score, or returning clients with on-time payments can get their secured loan approved in minutes.
We’re faster and more efficient compared to the red-tape you’ll face at most banks.
Our quick approval process can also come in handy for business clients looking for new equipment or vehicles. With our business loan options, you can negotiate with suppliers as a cash buyer and get a better deal.
Every person’s financial situation is different, so we take a personal approach to find finance options specific to your personal circumstances. All loan applications are subject to responsible lending inquiries and checks, but we work with you to find the best loan interest rates and repayment plan to suit your needs.
Secured Loan Types For Kiwis
Personal, Small Loans NZ
Life can throw unexpected curveballs your way. That’s why we at Crester Credit provides a variety of personal loans NZ-wide.
From dental and medical finance to travel loans, and even wedding loans, our personal service approach makes it super quick and easy for you to get the financing you need.
Small loans usually range from $800 – $5000, and you can have the money in your account within 24 hours of approval. Check our personal loan calculator to figure out the monthly repayments for your desired loan amount and term. You can also read about our loan terms, rates & fees here.
We follow New Zealand’s responsible lending criteria, so we’ll check your credit history to ensure the loan doesn’t put you in financial difficulty.
Different Types of Personal Loans NZ
Debt Consolidation
Simplify your finances by combining multiple debts into a single, manageable loan with one easy repayment. Our debt consolidation loans help reduce stress and may lower your overall interest costs.
Dental Finance
Get the dental care you need now—whether its fillings and root canals to orthodontics, implants, and cosmetic procedures, we help you get the dental care you need a loan repayment plan that suits you.
Emergency Loans
Unexpected expenses? Our emergency loans provide fast access to funds for urgent needs like car repairs, sudden medical bills, or emergency appliance repairs.
Home Equity Loan
Leverage the equity in your home to pay for large expenses, investments, or personal projects. It’s a smart way to use your existing assets to unlock new opportunities.
Landscaping Finance
Transform your outdoor space without waiting or compromising on quality. Our landscaping finance products cover everything from decks to driveways, increasing your property’s value.
Loans for Beneficiaries
If you’re receiving benefits from government or private pensions, you may qualify for a personal loan with us. We assess your situation fairly, loans tailored to your needs.
Medical Loans
Access the healthcare you need without getting into a mountain of credit card debt. Our medical loans help cover the cost of surgeries, treatments, and specialist appointments with stress-free repayment plans and lower interest rates compared to credit cards.
Renovation Loans
Renovate your home with a loan that suits your plans and budget. Whether it’s a new kitchen, bathroom, or extension—we make it possible.
Travel Loans
New Zealanders can make their dream trip a reality with a travel loan designed to cover flights, accommodation, and more. Enjoy the world now and pay back the loan later with manageable installments.
Wedding Loans
Say “I do” to the wedding you’ve always wanted. Our wedding loans help cover everything from venues to vendors, so you can focus on your big day, not the bills.
Tiny Homes Financing
Ready to downsize or live more sustainably? Our tiny home loans offer flexible terms to help you finance your dream of living in a compact space.
Business Loans
Traditional banks have a strict, often risk-averse approach when it comes to lending to businesses. In contrast, getting a business loan with Crester Credit is easy, because the loan is secured with a collateral.
Our business loans range from $5000 – $150,000+, but we also provide higher loans for construction, equipment, or property purchases at a higher amount. We also finance business car loans, or provide bridge loans so you can buy new equipment while waiting on the sale of an old one.
Clients that meet our credit criteria can also avail of our office fit-out loans or small loans for operational expenses. Either way, our financing options give you access to the funds you need to grow your business.
Different Types of Business Loans
Asset Finance
Unlock capital by financing new or 2nd-hand assets without tying up your cash flow. Whether it’s vehicles, machinery, or tech, asset financing helps your business grow on your terms.
Bridging Finance
Need short-term funding to cover a cash flow gap, or to buy new equipment while selling an old one? Bridging finance offers fast, flexible solutions to keep your plans moving without delay.
Equipment Finance
Get the equipment you need now to keep operations running smoothly. Our equipment finance covers everything from manufacturing tools to specialised machinery, with repayment options that suit your cash flow.
Farm Equipment Finance
Invest in your farm’s future with tailored loans for tractors, harvesters, irrigation systems and more. As trusted business lenders, we make it easy for our local farmers to get financing up to 100,000 NZD payable up to 48 months.
Office Fit Out
Create a workspace that works for your team and your brand. Our office fit out loans help cover everything from design and furniture to tech and renovation costs.
Small Business Loans
Fuel your business growth with a loan built for Kiwi SMEs at a low interest rate starting at 12% p.a.. Whether you’re hiring, stocking up, or expanding, we provide fast funding and flexible terms to help you get there.
Vehicle Loans
Vehicle loans usually range from $2000 – $80,000 and are payable over a term of 36 months. Once the loan is approved, you can take the funds directly to the dealer to buy motorcycles, work vehicles, cars, boats, trailers, tractors, you name it.
To finance cars, NZ law dictates that you must be over 18 years of age. You can either purchase the vehicle under a personal loan, or a business loan. Terms and conditions apply to ensure the vehicle you’re buying isn’t damaged, stolen or has money owing on it.
NZ Finance Customer Reviews
Rated 4.7 out of 5 stars based on 1915 customer reviews.
Questions? Connect with a friendly member of our lending team.
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We respond to requests immediately, so we’ll get back to you super-fast to discuss your request. In the meantime, please review our answers to common questions and information about terms and conditions, establishment fees and the amount to settle a loan early.
FAQ