$4000 Loans for Beneficiaries

Borrow up to $4000 from Crester with our loans for beneficiaries. Crester Credit is more than happy to lend to people if they’re receiving income from the government, provided your spending habits don’t outweigh your income and you can afford the repayments. You can check the repayments by using our loan calculator.


We make it easy for you

Flexible beneficiary loan repayments, rates & terms tailored to suit your circumstances. We’re responsible lenders, so your loan should be easily manageable.


Bad credit ratings?

We offer secured beneficiary loans, preferring to look at the collateral you have rather than just your income & credit score. Provide significant, appropriate security & we may still lend to you.


We give you better interest rates

Why pay more to other finance companies? We offer low-interest rate lending for personal loans without hefty fees.


Up To $3000



Calculate Loan Repayments

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.

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
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* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

Easy beneficiary loans

If you get WINZ payments, Crester makes your application process simple because we know that you get a regular income without the risk of being made redundant or let go. This is why benefit loans are called easy beneficiary loans; they’re simple for us to approve assuming you have a good credit history. Once approved, you’ll have your money in just 24 hours.

WINZ loans, Benefit Loans, Payday Loans, etc. They’re all the same – We provide easy beneficiary loans for Kiwis, but please use the money responsibly. Discover how much you can borrow & what your repayments are using our loan calculator. If you ever get in over your head, we can support you in managing your finances to relieve the pressure with debt consolidation, which is usually at a lower interest rate than you currently have to pay. All of this help can be easily done by phone.

Beneficiary loans and what they can be used for

Emergency vet loans

Our fur buddies are part of the family, but they can sometimes be a financial burden. If you need to take them to the vet, don’t stress, we’ll happily cover our customer’s vet bills with a benefit loan and set up a manageable repayment schedule as part of our finance services.

Emergency rent loans

Short on rent this week because of an unexpected bill? A benefit loan could be just what the doctor ordered to tie you over. We will help you with a short-term loan for beneficiaries to make sure your landlord stays happy.

Emergency car loans

Cars tend to break, which also tends to break the bank sometimes. If you’re in this situation, apply for a benefit loan and we’ll help you get back on the road in no time.

School-related loans

It’s tough when you’re getting government payments, and you get additional expenses like school books, uniforms and holidays. Loans for beneficiaries can be applied to this also.

Dentist Loans

Dentists can hurt the pocket, as well as your mouth. We can help; simply start by applying online; it only takes 6 minutes to complete.

Medical Loans

Easy beneficiary loans can be used for medical expenses. Don’t hesitate to go to the doctor just because you’re tight on cash; there’s nothing more important than your health and in the long run, getting treated can save you money. Crester’s here to help.

Loans for bills – power etc…

Utility bills can creep up on you, especially that power bill in the middle of winter. Life’s not cheap, so if you need a helping hand, reach out for a benefit loan.

Benefit loans for & bond

Easy beneficiary loans can be used for moving house too. If you need to pay a bond for a new place, then we’ll tie you over so you can snap up the perfect home.


Handy Tips

  • If debts are mounting, get a beneficiary loan to consolidate debt and roll all debts into one manageable payment. Learn more
  • Crester often issues loans for beneficiaries. If you’re unsure on anything, feel free to call us and get our personal service you you make your application online. We’ll step you through the entire process. We help with low-income loans on a daily basis.
  • A benefit loan can be as long or short as you want. You can pay it off over 36 months or pay it off within a week.
  • For detailed information on our New Zealand rates for beneficiary loans, our fees, and process, including early settlement options, please click here. 


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.

Questions? Our lending team can help.

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We respond to our customers as fast as possible. Be sure to start by applying online. In the meantime, please review our commonly asked questions and information about Crester Credit’s finance 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 assist with everything finance related.

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