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. Applications for 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 4 minutes.


Emergency Loans Made Easy

Emergency loans can never come too soon. We’ll put you at the top of our list & so you can get your emergency money fast.


Bad credit? Loans To Help

We are responsible lenders, but if you’ve got bad credit & need same day loan approval, provide us with enough security, like a guarantor or a vehicle, we’ll process your application, fast. We don’t provide unsecured loans.


Low Interest Rates NZ – Wide

Crester is a registered financial service provider & we beat nearly all finance companies NZ wide, with low-interest rates for urgent funding. Online applications for fast cash takes only 4 mins.





Loans Calculator

Use our New Zealand online loans 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 buy, which acts as security, and we then spread the rest across 48 months.

how can i get quick cash today
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

How can I get quick cash today? Well, if you ish you had a get out of jail free card when surprise expense crop up,  becoming a Crester Credit customer will help you access quick cash. Fast loans are a great business solution, ideal for medical emergencies, vet surprises, and pipes that burst, requiring an after-hours plumber that could quite possibly cost the earth. Become an A+ Crester customer, and we’ll always have your back in these situations. Call us, and within just a few hours, we will have transferred your fast loans directly into your bank account. That’s right; you’ll get a quick and easy same day loan from us to de-stress the situation. This assumes that you’re an existing customer with a good credit score and you’ve had a reliable history of repayments with us.

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 with a cash loan, 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. Visit our car loans page for more details.

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 loans fast.


Emergency loans can be for any type of urgent matter. If it’s urgent to you, it’s important for us but as responsible lenders, we want you to be smart with your money. We’re here to help but please do check our early settlement fees, establishment fees and low interest rates here.


Same Day Loans

  • 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 immediately once approved, and it’s likely that you’ll receive it overnight. If we use the same bank as you, you may receive the funds 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.
  • When an existing customer of Crester, you’ll jump the queue for approval, so you can get your money fast.


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.

Frequently Asked Questions

NZ Finance Customer Reviews

Questions? Our lending team can help.

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We respond to our customers who are experiencing emergencies and require urgent financial assistance almost immediately. 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.

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