Emergency Loans

Get same day loan approval & have money in your account within just 24 hours. Emergency expenses always seem to come out of the blue. Sometimes you can get caught out, and you need short term fast loans to cover you. Emergency loans get put at the top of our list for immediate processing, and we will do our best to get you a same day loan approval. Apply online; it only takes 8 minutes.

We make it easy for you

You’ll get flexible emergency loan repayments and terms tailored to suit your circumstances.

We look beyond bad credit ratings

We offer secured fast 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.

Fast loans with better interest rates

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





NZ Loan Calculator

Use our online loan calculator to find out your instant finance solution and the cost of your loan repayments. It’s easy and you’ll have your cash fast!

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.

Emergency Loans NZ

Don’t you wish you had a “get out of jail free card”? We’ll the next best thing when an emergency comes along is to be a Crester Credit customer. Maybe fast loans are a great business solution, or ideal for a medical emergency, a vet surprise, or perhaps you’ve had pipes burst at home, and you have to call a plumber that could quite possibly cost the earth.

Become an A+ Crester customer, and we’ll always have your back in these situations. It’s as simple as calling you, and within just a few hours, we will have transferred your fast loans directly into your bank account. Yep, that’s right; you’ll get the same day loan from us to destress the situation. This all assumes that you’re an existing customer and you’ve had a reliable history of repayments.

Loans for emergencies when you need it most

Unexpected bills

Power bills can get out of hand in winter & cricket balls smash windows in Summer. Whatever it is, our emergency loans are designed to help fast.

Fines & Overdue bills

If you’re caught in a downward spiral of overdue bills, deal with it immediately. Let us take care of the emergency payments with a same day loan and we’ll make a debt consolidation plan to help you gain control.

Emergency vet loans

Pets do the silliest things – Dogs eat the bait off fishing hooks; who would have thought? Regardless, you’re going to get a surprise bill if you own pets and a same day loan might be the perfect solution.

Medical loans

Medical emergencies are no joke. Don’t stress about money. We’ll cover you, and we’ll make a plan to get your health back on track.

Car Loans

If ol’ reliable has finally given up. You may need emergency finance to cover you in purchasing some new wheels.

Funeral loans

Often, someone’s estate won’t fund a funeral until after the service. Let us tie you over so you can concentrate on what’s important.

School costs

School books, a new pair of shoes, a new shirt to replace the ripped one after little Johnny played rugby. Sometimes you need cash fast.


Emergency loans can be for any type of urgent matter. If it’s urgent to you, it’s important for us. We’re here to help.


Handy Tips

  • Crester can help existing clients with instant finance loans. If you’ve got an emergency, it’s as easy as picking up the phone.
  • Cash be transferred into your account overnight once approved, or if we use the same bank as you, you can have it the same day.
  • Make a list of all the assets you have like your TV, laptop & your car. This can be used as security when applying.

Questions? Connect with one of our friendly asset financing team.


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.

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