Aiming for #1
In Finance Companies NZ

Crester Credit is amongst the easiest finance companies NZ-wide for Kiwis to partner with for both business loans and personal finance. We finance cars NZ-wide. We help people with emergency bills, and help people consolidate debt into manageable repayments with a fixed interest rate p.a. so you never get any surprise increases.

We make the application process as simple as possible so you don’t feel you need to jump through hoops to qualify. We like to establish a relationship and to become your life-long finance partner you can rely on when you want a helping hand.

Fast Business Finance & Personal Loan Approval

Our good customers with a good history of repayments, you can simply lift the phone and ask for approval within minutes. We’re proud of being fast and efficient in comparison to the red-tape you might experience with a bank. The best loan company offers personal service and fast decisions that are in your best financial interest.

If you’re a business customer, this comes in really handy if you’re thinking about taking on a project that requires investment, or if you’re negotiating with suppliers on equipment and want the upper hand as a cash buyer. Regardless of your finance requirement and the type of loan you’re enquiring about, Crester New Zealand will always be here to assist with a great interest rate and small loans NZ-wide.

benefits img
Personal img

Personal, Small Loans NZ

Crester is a New Zealand owned loan company offers a range of small loans, NZ wide. From dental and medical finance to travel loans, work vehicle finance and car loans. Use our online calculator for a quick understanding of what loan repayments could look like, but you’ll need to meet our lending criteria, which complies with the responsible lending code of New Zealand. To be approved for personal, small loans, NZ Finance companies usually do a credit check after you apply online to ensure you have a good history of paying your utility bills and various other checks. You can actually check your credit history yourself online if you wish by visiting a company called Centrix. Our personal, small loans are usually within the range of $500 – $5000, and you can have money in your account within 24 hours of approval. Feel free to research our loan terms and rates & fees.

Business img

Business Loans

Business loans can seem almost impossible to get from the bank because of their risk-averse approach. In contrast, business loans with Crester credit are easy.
We make the process simple, and once a good relationship is developed, our business loans can range from $5000 – $50,000+ with the construction or property purchases exceeding that value considerably. We provide small loans for assisting with cash flow and large loans for bridging or asset finance. Either way, we’re here to help, and we’d love to form a relationship with you as your long-term finance partner, allowing you access to the cash you need to grow.

vehicle img

Vehicle Loans

Vehicle loans usually range from $2000 – $80,000 and are payable over a full term of 36-48 months and can be used for 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 with personal small loans, or business loans; it doesn’t matter to us as we go through the same checks to protect both you and ourselves, ensuring the vehicle you’re buying isn’t damaged, stolen or has money owing on it.

Apply now
vehicle img

Financing Cars NZ

If you’re financing cars, NZ has you protected because the finance companies will do the checks on the vehicles prior to you purchasing it.
This applies to all vehicles, vans, work utes, farm machinery and more. They’ll want to know that the vehicle hasn’t been stolen and there’s no money owed on it. If there is money owing on it, it might be other finance companies will have placed an encumbrance over it, meaning that when you purchase it, you’ll be inheriting the debt. If you’re buying privately, you can avoid this by undertaking a PPSR check. Visit our vehicle loans page for more details.

Finance Companies NZ – Beware

It’s important to understand that not all finance companies are operating in your best interest. Of course, all finance companies NZ-wide operate as a business and want to make money, but if you’re not careful, you can fall into traps keeping you in a circle of never-ending debt.

If you are given an interest-free card, it’s likely if you miss a payment, you’ll trigger a default which will result in you being loaded with nasty interest costs right from the beginning of the agreement. The penalty rates can sometimes also be unfairly stacked, and people find that their debt is growing rather than reducing. Of all the finance companies NZ has on offer, do your homework, check their Google reviews to see if people are complaining about this.

In contrast, Crester is a responsible lender that wants you to get out of debt as fast as possible and offers debt consolidation for anyone in a tricky position. It helps you get on top of your finances, reduce your monthly payments and avoid penalties. To learn more, visit our debt consolidation page. We aim to be the most responsible and best of all finance companies NZ wide.


Calculating time

Our online loan application form is your instant finance solution

NZ Finance Customer Reviews

Questions? Connect with a friendly member of our lending team.

jeanette-crester-finance-employee Jeanette
finance-staff-jo Jo
finance-staff-laura Laura
finance-staff-peter Peter
finance-staff-karen Karen
finance-staff-skye Skye

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.

icon Faq