Loans for Beneficiaries

Loans for Beneficiaries

If you’re on a benefit and receiving your income from WINZ, then the answer is YES. We help with loans for beneficiaries.

Crester Credit is more than happy to lend to people if they’re on a benefit, provided your spending habits don’t outweigh your income and you can easily afford the repayments.
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NZ's best beneficiary loans & best beneficiary loan rates

Work And Income New Zealand provides a stable income to many New Zealanders, and therefore we often provide loans for beneficiary’s, without hesitation.

From our point of view, your income is actually far more stable than that of someone who has a job or is starting a business. People often refer to these loans as WINZ loans, Payday Loans etc. But the truth of the matter is that no matter, how much we all receive in income, surprise bills tend to happen and create financial pressure.

In these cases, Crester Credit can provide a beneficiary loan, but encourages you to use the money responsibly. Crester is a responsible lender and wants to support you, rather than accruing debt for unnecessary purchases.

Discover what your repayments are here.

We make it
easy for you

With flexible personal loan repayments and terms tailored to your circumstances.

We look beyond
bad credit ratings

We offer secured personal loans, preferring to look at the security you have rather than your income. If your credit rating’s not so flash, we’re still interested.

We give you better
interest rates

Why pay more through other finance companies? We offer low interest personal loans.

Responsible Lending

Beneficiary Loans for Kiwi families that need a helping hand.

Beneficiary loans and what they can be used for

Did you know?

Crester Credit is a Family owned business that has been operating in New Zealand since 1983. Installed in how we operate our Christian values and we often donate to good causes, such as “Cap” Christians against Poverty.

Our staff are good, down-to-earth people like you and me, that understand that life gets tough from time-to-time.

People that apply for a beneficiary or WINZ loan can usually benefit from a debt consolidation loan. People often have many hire purchases and loans with high-interest rates that trap them into falling short week-to-week.

Instead of applying for another quick-fix loan, it’s sometimes smarter to roll all of your debt into one simple, easier to manage repayment.

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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.

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