Debt Consolidation NZ

If you’re feeling a little overwhelmed with how many bills you have to pay, then Crester can make life worry-free, and our debt consolidation loans are the answer. We help Kiwis manage their bills with loans for debt consolidation NZ wide. Our online loans calculator will works 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 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.





NZ Loan Calculator

Use our New Zealand online loan calculator to determine the repayments you can afford and how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, and we then spread the remainder 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
  • Your data is secure
  • Trusted by
  • Our customer rating
    Google-logo 4.6/5
* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

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 consolidate debts, and 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.

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.


Calculating time

Our online loan application form is your instant finance solution

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

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

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, annual interest rates, early settlement options, responsible lending, the application process, or anything else you’d like information about, including our other financial services. We’re here to help.

icon FAQ