NZ Personal Loans

Quick NZ personal loans for whatever you need when cash is running low. Applying for online loans with Crester is simple & it takes only 4 minutes.


We make it easy & flexi

You’ll get flexible personal loan repayments & terms tailored to suit your circumstances. We are responsible lenders & make sure you can easily afford the repayments for the amount you borrow.


Need help with money?

Credit rating stinks? Get back on track with debt consolidation to bundle total debts from credit cards, hire purchases & loans into a single payment. A personal loan can be for consolidating debt.


Low interest rates, always.

Crester can be far cheaper than other finance companies? We offer low-interest personal loans & support you to stay on top of your debt instead of accruing it.





Travel Loans Calculator

Use our New Zealand online travel 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
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.

Low Interest Personal Loans NZ

Crester Credit offers fast, low-interest personal loans for when life throws us curveballs. With Crester, quick NZ personal loans are within reach & our staff are warm & friendly, even if you have bad credit.

We aim to provide the lowest interest rates New Zealand has on offer for online loans. We’re non-judgemental & experts at removing stress from people’s lives who feel like they’re drowning in debt. We’ll give you a fair chance! Apply now.

Personal Loans NZ-Wide

Personal finance for almost anything

Medical financing

If you’ve been given an unexpectedly large bill and could use the help of our instant loan terms, Crester can help with medical finance as part of our online personal finance services.

Dental finance

Crester can pre-approve you for dental loans, meaning that if you get a surprise bill, you won’t have to find a new dentist with payment plans; you can use your usual dentist.

Vehicle repairs

An unexpected car repair bill can create a lot of stress and even a loss of income. If this occurs, reach out to our financial team and we’ll help as promptly as possible with car loans. We can also investigate financing a new car if the repairs are too expensive.

Holiday travel

Need a break, but low on cash? We can fund your change of scenery. You’ll need to satisfy our lending criteria team, but otherwise, the travel finance is yours.

Wedding loans

Wedding costs can escalate & when they do, we’re here to top you up instead of using that expensive credit card. It’s a special day and not the time to stress about money. Crester helps with wedding loans.

Home renovations

Whether you’re preparing a home for sale or bringing in a new chapter into your life, you may need to borrow a renovation loan or bridging finance because budgets and desires can sometimes misalign.

Emergency cash

Crester helps with emergency loans for individuals. We transfer the funds within 24 hours & you’ll have the money as quickly as the bank processes it. Often it’s an instant loan solution.

Business loans

Crester helps Kiwi businesses grow with equipment loans, or financing growth through cashflow injections, asset loans, venture capital, purchasing stock and many other reasons. Business finance with a personal touch is our specialty.


Handy Tips

  • If you’re spiralling out of control with debt, you can grab control with debt consolidation. Learn more
  • Learn how to improve your credit score, starting now! Learn more
  • How to buy a second hand car safely. Read  Learn more


Calculating time

Our online loan application form is your instant finance solution

Questions about you loan to travel? Connect with our lending team.

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We respond to Kiwi’s making requests for financing their travel plans immediately. We’ll get back to you almost immediately. In the meantime, please review our FAQ’s information about the terms and conditions, establishment fees, annual interest rates, early settlement options, responsible lending code, the online loan application process and more. You can even read about our other financial services. We’re here to help with everything finance related.

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