NZ Personal Loans
Get NZ personal loans within 24 hours, whether it’s for urgent car repairs, unexpected medical bills, or covering essential expenses like rent. Crester Credit delivers the financial flexibility that makes life easier to manage.
Get cash in your hands within 24 hours, subject to the responsible lending code. Our streamlined application process cuts through the red tape, offering competitive personal loan interest rates and flexible terms tailored to your needs. Apply online now.
4.7 rating with 1,725 Google reviews
We make finance easy & flexible
You’ll get a fixed interest rate and flexible loan terms, customised to your financial needs.
Need help paying off loans?
Consolidate your debts with a debt consolidation loan that bundles your total bills, credit cards & personal expenses into one easy payment. Instant personal loans can be used for consolidating debt.
Low interest rates, always.
We do our best to give you a low rate to ensure you can afford the monthly repayments. We offer fixed interest rates on secured loans up to 36 months.
Super fast –
Money in your
account
just 24 hours
NZ Personal Loans Calculator
Use our online personal loans calculator to work out the repayments you can afford and how much you should borrow. Usually, you’ll make a deposit, which acts as security, and we then spread the rest of the loan amount across the term of your loan. Terms and conditions apply.
Choose your term
Repayment Details
1 YEAR
Your Weekly Repayment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
-
Your data is secure
-
Trusted by
-
Our customer rating
4.6/5
Rates
With Crester, you can repay your loan over a term of up to 36 months, with flexible weekly or monthly repayments to suit your budget. Our interest rates range from 9.95% to 26.98% p.a., depending on factors like your credit profile, loan purpose, and selected term. For a full breakdown including early repayment options, default interest, and establishment fees, please refer to our Rates and Fees page.
Terms
Before applying with Crester, please take a moment to review our terms and conditions. When you apply, you’re agreeing to let us collect and securely store your personal details. We aim to ensure all information on our site is current and accurate. If anything seems off, get in touch in writing and we’ll work to correct it. Crester follows New Zealand’s Responsible Lending Code.
Fees
Your personal data is protected with end-to-end encryption on all Crester web forms, ensuring your details remain secure throughout the loan process. We manage all client information with strict confidentiality, using robust security measures to guard against unauthorised access. Crester also complies fully with New Zealand’s privacy laws. For more information, see our Privacy Policy.
Low Interest Personal Loans NZ
Looking for low interest personal loans? Crester Credit offers fast, secured, low interest finance options compared to other private finance companies in New Zealand. Our lending staff are warm and friendly, even if you have bad credit. We offer personal financing that helps you regardless of circumstances.
We aim to provide the lowest interest rates among private lenders in New Zealand for small personal financing. We’re experts at removing stress from people who feel like they’re drowning in debt. We’ll give you a fair chance!
Apply for a loan now.
Personal Loans NZ-Wide
Low Interest Personal Loans 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 finance, 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 you with an instant loan to assist with the repairs. We can also investigate financing a new car loan 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 because we don’t offer unsecured loans, but otherwise we can give you travel finance.
Wedding loans
Wedding costs can escalate, and when they do, we’re here to top you up, so you can avoid credit cards with high interest. It’s a special day and not a time to stress about money. Creste helps with wedding loans.
Home renovations
You may need to borrow funds for a renovation, or leverage to bridge funds between the sale of your house and the purchase of a new one. We offer NZ personal loans for both home renovation and bridging finance to help with these situations.
Emergency cash
We provide emergency loans for unexpected expenses and other things you need. We transfer the funds within 24 hours, and you’ll have the money as quickly as the bank processes it.
Want to apply for a personal loan? Here’s some handy tips
- If you’re spiraling out of control with debt, you can regain control through debt consolidation.
- Learn how to improve your credit score, starting now, by visiting our blog page under the financial advice tab in the menu.
- Pay your loan on time to ensure you don’t get stung with extra fees.
- Figure out if you WANT the loan or NEED the loan.
Crester customises low interest personal loans for your specific needs. If you’re flipping a house, leveraging a business tool, or upgrading your vehicle, tt’s time to get smart about your borrowing and get the best loan rate and repayment terms for you.
APPLY NOW – NEXT DAY APPROVAL*
* Approvals occur on the next business day after your application. Our online application form takes only six-eight minutes to complete, subject to approval in accordance with the responsible lending code of New Zealand. 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 – we’ll contact you as soon as possible.
FAQs for Applying for a Personal Loan in New Zealand
What types of loans are covered?
You can get a personal loan for a variety of purposes, like a medical expense, unexpected car problems or home repairs, or even the sudden loss of employment. However, if you’re planning on a bigger spend, like renovating your house, you’re better off checking our home renovation loans as it generally has a lower interest rate compared to secured personal loans.
How quickly can I get the money?
You can apply to take out a personal loan in as quickly as 6 minutes. Your application will be reviewed by one of our lending specialists, and you’ll hear back from us in one hour or less. You’ll get the cash in 24 hours or within the same day. This is subject to the responsible lending code of New Zealand.
Who is eligible to apply for personal loans?
You have to be at least 18 years old and be a New Zealand citizen or permanent resident. You also have to provide security or collateral, proof of address, and proof of income to apply for a new loan.
What is the minimum loan term?
The shortest term we will lend is 6 months on any amount over $800.00.
What is the maximum loan repayment term?
In most cases, the longest term for a personal loan is 3 years on larger loans, usually $4,000.00 and over. The term of the loan can be extended up to 4 years or 48 months on even larger loans on a case-to-case basis.
What are the interest rates and fees for the loan?
The interest rates for personal loans range from 9.95% to 26.98% p.a. We have fixed interest rates set for the duration of the loan term. You can find more information about the default interest rate and application fee on our interest rates and fees page.
Do you lend to people with bad credit?
We are open to lending money to people with a bad credit history if they have a suitable guarantor. We are a responsible loan provider, and we ask for security or collateral. We also do credit checks to ensure you can afford the monthly repayment, subject to the responsible lending code of New Zealand.
How does the NZ Responsible Lending Law help borrowers?
The NZ Responsible Lending Law, enacted through the Credit Contracts and Consumer Finance Act (CCCFA), helps borrowers by ensuring banks and private lenders act responsibly. This includes informing the borrower of the terms of their loan, including the rate of interest, terms, and other fees.
Lenders are also required to make sure that borrowers can afford the loan repayments, and that it won’t cause them more financial hardship in the future.
Personal Financing Questions? Our lending team can help.
Jeanette
Karen
Jo
Skye
Peter
Laura
Crester’s lending team responds to customer applications and questions, almost immediately, but in the meantime, please review our FAQ’s and information about our terms and lending conditions. Learn about establishment fees, annual interest rates, early settlement costs, the responsible lending code of New Zealand, and our easy online loan application process.
Give us a call, we’re here to assist with everything finance related. We’re happy to help figure out how much you can borrow with your online application.
FAQ