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 money fast.

Bad credit? Loans To Help

If you’ve got bad credit, but you need same day loan approval. Provide us with enough security, like a guarantor or a vehicle, and we’ll process your application as quickly as possible.

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 take only 4 mins.





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
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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

Wish you had a get out of jail free card? Becoming a Crester Credit customer is exactly that. Fast loans are a great business solution, ideal for medical emergencies, vet surprises, 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. It’s as simple as calling 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 destress the situation. This all 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, 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.


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.


Calculating time

Our online loan application form is your instant finance solution

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


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 and the amount to settle a loan early.,

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