NZ Instant Personal Loans

Moving through personal circumstances that call for financial flexibility can sometimes feel like an uphill battle. But when life’s big moments like a car needing repairs or the trip of a lifetime beckon, Crester is here to ensure you’re not left wondering, “How will I manage?” Whether you’re gearing up for that family holiday or just need to secure the things you need, our application process is as seamless as it gets. Simply apply for a loan with us, and you could see cash in your hands within 24 hours. It’s more than just lending; it’s about helping you achieve your goals swiftly and stress-free. Need a loan? Let’s embark on this journey together with our competitive interest rates, flexible terms and conditions and payments to suit your secured loan or unsecured loan needs. We have options to suit your needs and loan amount! Apply online today with ease!


We make finance easy & flexible

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


Need help with money?

Is debt mounting? Get back on track and consolidate your debts with a debt consolidation loan to bundle your total debts from bills, credit cards & hire purchases into a single payment. Instant personal loans can be for consolidating debt.


Low interest rates, always.

Crester can be far cheaper than other finance companies with our competitive rates! We offer low interest personalised personal loans & support you to stay on top of your debt instead of accruing it.





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 on the item you wish to buy, which acts as security, and we then spread the rest across 36-48 months. Crester – New Zealand’s home of personal finance. Terms and conditions apply.

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

Need a personal loan? Crester Credit offers fast, low interest secured and unsecured personal loans for New Zealand Citizen’s. Especially when life throws you curveballs. With Crester, quick personal loans in nz are within reach & our staff are warm & friendly, even if you have bad credit. We offer personal loans that help you wherever you are in your life right now!

We aim to provide the lowest interest rates New Zealand has on offer for online instant 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

Easy To Manage – 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 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 as promptly as possible with an instant loan to assist – 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 funds using a renovation loan or bridging finance because budgets and desires can sometimes mis-align.

Emergency cash

Crester helps with emergency loans for individuals. With any of our NZ personal loans, 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 cash flow injections, asset loans, venture capital, purchasing stock and many other reasons. Business finance with a personal touch is our specialty.


Want to apply for a personal loan? Here’s Some 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 by visiting our blog page under the financial advice tab in the menu.
  • How to buy a second-hand car safely. Read our blogs now.
  • Stay on top of your repayments to ensure you don’t get stung with extra fees!
  • Figure out if you WANT the loan or NEED the loan
  • If you can pay your loan off sooner, to ensure you don’t stung with fees and higher loan rates

With such a wide range of different types of personal loans, Crester can ensure you get a loan tailored to your specific needs! It’s time to pay for the things that you have to and the things that you want to!


Calculating time

Our online NZ personal loan application form is your instant finance solution

Personal Financing Questions? Our lending team can help.

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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 finance application process. Give us a call, we’re here to assist with everything finance related, so please ask we’re happy to help figure out how much you can borrow with your online application.

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