Loans for Beneficiaries

If you’re on a benefit & receiving income from WINZ, then we help with loans for beneficiaries. Crester Credit is more than happy to lend to people if they’re on a benefit, 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

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

We look beyond bad credit ratings

We offer secured personal 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.

We give you better interest rates

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

Easy beneficiary loans

If you get WINZ payments, Crester makes it easy 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 easy 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.

Beneficiary loans and what they can be used for

Emergency vet loans

Our fur buddies are part of the family. If you need to take them to the vet, don’t stress, we’ll happily cover our customers vet bills with a benefit loan and set up manageable payments.

Emergency rent loans

Short on rent this week because of an unexpected bill? A benefit loan could be just wha 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.

School-related loans

It’s tough when you’re on the benefit, and you get 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 in going 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 easy payment. Learn more
  • Crester often issues loans for beneficiaries. 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.

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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