Debt Consolidation NZ

Refinance personal loans with our debt consolidation loans with the aim to lower your repayments and interest rates. We help Kiwis manage their bills with loans for debt consolidation NZ wide. Our online loans calculator will work out your repayments if you consolidate debt and roll it all of your bills into one simple payment. This makes life far more manageable. Applying online takes only 4 minutes.


Consolidate Debt, It’s Easy.

You’ll get helpful advice and guidance to consolidate your debt and refinance personal loans so you can regain control of your finances.


We look beyond bad credit ratings

If you’ve got the right attitude and you want consolidation loans while proving you’re a reliable payer, then Crester is here to help.


Pay less with better interest rates

If you’re defaulting, you’re paying too much. Consolidate debt by rolling all of your bills into one low interest repayment agreement.

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Consolidation Calculator

When we consolidate your debt, we work out what you can afford as repayments to then work out the term. Our calculator is only a guide, so it’s best to apply and chat to one of our lending team for exact figures. We combine all debts into a single loan & spread the repayments across 48 months.

I want to borrow:
I can afford to repay (per week):

$30 per week

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins
Apply now
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* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.
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Consolidate Debt & Save

Money is the biggest source of stress in our lives, and this stress can spiral, affecting work, family, relationships, and our health, so we’ve set up one of the best debt consolidation companies NZ wide, to help you to regain control.

Managing multiple debts can be incredibly stressful, so Crester helps you to consolidate debts, by refinancing your personal loans which lowers your weekly payments required. You’ll get friendly staff on the end of the phone, any time you have questions and we are trained in helping our clients navigate challenging financial situations. We create consolidation loans & arrangements that allow you to sleep easy and get on with life.

The main benefits of debt consolidation loans are reducing stress by regaining control of your finances, and to achieve lower repayments, combined with a lower overall amount you’ll have to pay. You’ll be treated like a person, not a number. We’ll get you back on top, with a debt consolidation loan, in no time. 🙂  Apply now.

How Consolidating Debts Helps

Debt Consolidation NZ-Wide

You’ll be given flexible repayments terms to suit your situation. We aim to offer you the most helpful and best debt consolidation nz-wide so you can get life back to normal, fast.

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Bad Credit?

We prefer to look at the security you have rather than your income. If your credit rating’s not so flash, we’re still happy to consider consolidation loans, if you can provide security and prove reliability of payments.

We Pay Your Bills

Baycorp bills? We pay them off & clear your debt improving your credit rating. Your mountain of bills become one easy payment that’s manageable and stress-free.

Consolidate Debt & Pay Less

Stop paying pay too much & grab control with a low-interest online debt consolidation loan. Bundle credit card debts, bills, & HP’s in to one simple payment.

Are Consolidation Loans Expensive?

No, the purpose of consolidating all of your bills into a single agreement is so you can avoid penalty fees and compounding interest charges which tend to spiral. You’ll be able to afford the repayments and reduce debt immediately.

Does Consolidation Credit Ruin Your Credit Rating?

No, if anything, it will help to improve it. The finance company will pay off all of your bills on your behalf, so you stop defaulting and accruing unnecessary interest. This puts you back on track, so your credit rating should improve.

What Loans Are Eligible For Consolidation?

Your finance company will create a private agreement with you, so the type of existing loans you have doesn’t really matter. What does matter is getting you back to financial health as fast as possible.

How Do I Combine All Debts Into One Payment?

You don’t need to; we’ll do it for you and pay off your existing hire purchase agreements, debts and loans. We’ll then form a finance agreement with you that’s affordable and gets you back to financial health fast.

Is debt consolidation good?

Yes, debt consolidation can be a good way to reduce the amount of interest you’re paying on your debts, and it can make it easier to manage your repayments by giving you a single monthly payment to make. However, it’s important to make sure that you understand all the terms and conditions of a debt consolidation loan before you sign up for one, and to make sure that you won’t end up paying more in interest and fees than you’re currently paying on your debts.


Calculating time

Our online application form takes only six-eight minutes to complete. Start by filling this in, and if you’d like to talk with one of our loan officers, please make a note of it in the application.

Consolidation loan questions? Ask our lending team.

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finance-staff-karen Karen
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We respond to our customers requiring their debt consolidated, almost immediately, because it’s usually a stressful situation and time is of the essence. In the meantime, while waiting for your application to be processed, please review our commonly asked questions and information about Crester Credit’s terms and conditions. We’ve included detail about establishment fees, annual interest rates, early settlement options, the responsible lending code of New Zealand, and the online finance application process. We’re here to help with everything finance related, so please ask if you have any questions at all.

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