Personal Finance NZ
Whether you need to consolidate debt, cover unexpected expenses, or fund a special occasion, Crester Credit offers fast, flexible, and affordable personal loans tailored to your needs. Our online application process is quick and straightforward, with approvals often within 24 hours. We focus on helping you achieve your financial goals with minimal stress, providing low-interest rates and repayment terms that suit your budget. Let us support you on your financial journey—apply today and get the funds you need without the hassle.
Quick loans
Crester gives instant finance solutions. Money in your account – 24 hrs from loan approval.
Low Interest Rates
Compare & find that Crester offers very competitive low-interest rates.
Flexible
We can work out loan repayments that you can afford with a term that suits you.
Types of Personal Finance
Debt Consolidation
Looking to simplify your finances and avoid penalties? Crester’s debt consolidation loans in New Zealand can help you combine multiple debts into one easy payment, potentially lowering your interest rates and repayments. With quick online applications and flexible repayment options, Crester makes it easy for Kiwis to regain control of their financial situation, even if you have a less-than-perfect credit rating.
Dental Finance NZ
Dental finance is a Crester specialty. Our health system won’t cover the dental treatments that many of us need, so if you’re searching for a dentist with payment plans, here’s a fast option with low repayments you can use with your regular local dentist. Crester offers dental finance NZ-wide, and you can have cash in your account within just 24 hours of approval. Applying online takes only a few minutes.
Emergencies
Get same day loan approval on emergency loans & have money in your account within just 24 hours. Emergency expenses always seem to come out of the blue. Sometimes you can get caught out, and you need short term fast loans to cover you. Applications for emergency loans get put at the top of our list for immediate processing, and we will do our best to get you a same day loan approval. Apply online; it only takes 4 minutes.
Home Equity Loan
If you’re looking for a home equity loan in NZ, Crester Credit offers our customers a reliable service. Home equity loans (or home equity release) involve using your home as collateral to take out a second mortgage. As a trusted financial service provider, we help our customers to access the equity within their homes loans in order to free up funds which can be used for everything from debt consolidation to household renovations.
Landscaping Finance
We are specialists in home finance which includes landscaping loans that allow you to give that finishing touch to your garden. Whether you have just bought a new home or you are looking to sell an existing property, we can provide funds to finance landscaping costs. When you consider the outside of your home is the first thing a potential buyer will see, a landscaping loan should pay for itself. If you have just bought the property, there is nothing better than relaxing in the garden!
Loans for Beneficiaries
If you’re receiving NZ government benefits and need financial assistance, Crester offers loans specifically designed for beneficiaries in New Zealand. With flexible repayment options and a quick, easy application process, you can access up to $4,000 to cover unexpected expenses, car loans or urgent medical needs. Crester also offers low-interest rates and fast approvals, often within 24 hours, ensuring you get the support you need without delay.
Medical Finance
For medical finance NZ -wide, we have you covered at Crester. We understand that paying medical bills can be hard. They can often come out of the blue, and your health is not something you can put on the back burner. However, it’s not worth ruining your credit rating by letting doctor’s bills go to Baycorp, so before this happens, let us help you with a simple personal loan you can afford to repay.
Personal Loans
Get access to funds with NZ personal finance. Crester offers fast, flexible personal loans in New Zealand with competitive interest rates. Whether you need to cover unexpected expenses, consolidate debt, pay for the dentist, or make a big purchase, Crester’s easy online application can get you approved and funded within 24 hours, subject to the responsible lending code. Get flexible repayment plans and friendly support from our lending team.
Renovation Loans
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. Crester Credit adheres to the responsible lending code of New Zealand, and we asses your financial situation and whether you can repay the loan before lending to you. You can check the repayments by using our loan calculator.
Spa Finance
Dreaming of a spa for your home? Crester’s spa finance options allow you to negotiate as a cash buyer, on new or second-hand spa pools. Get pre-approved with Crester and get fast approvals, competitive interest rates, and flexible repayment terms. Apply online and get approved within 60 minutes, and cash in your account within 24 hours. Subject to lending criteria and the responsible lending code of New Zealand.
Tiny Home Finance
Buying a tiny home comes with a tiny hurdle to jump – Finance! Crester’s tiny home finance options in New Zealand offer fast approvals, flexible repayment plans, and the ability to negotiate with the seller as a cash buyer. Whether you’re looking to finance a new tiny home or upgrade and renovate an existing home on wheels, Crester makes it easy to start living your minimalist lifestyle with affordable loan terms and flexible repayments.
Travel Loans
When you’re yearning for that dream holiday to the South Island or that family holiday overseas but the budget’s a bit tight, don’t stress! With our holiday and travel loans, you can spread out those adventure expenses into manageable, low repayments. Whether it’s the flight, a cozy inn, that adrenaline-pumping activity you’ve been eyeing or to pay for the things that help you relax, our loans have you covered. We offer flexibility up to 48 months, though swift repayments can keep that interest in check. Ready to make that dream trip a reality? Apply online for a travel loan and get a response in just 60 minutes. Need a holiday? Need a personalised travel loan? We’re here for you!
Wedding Loans NZ
Need a wedding loan? Other than buying a house or having children, your wedding is usually the most costly expense of your life (averaging around $30,000 in New Zealand). It is not wonder you want to have the wedding of your dreams. Paying for the perfect venue, cake, flowers, hair and makeup, and your wedding dress. All of which can quickly add up. And then, of course, there’s your honeymoon. We help with easy, personalised and convenient wedding loans that suit your needs and make sure you can focus on planning your special day. Let us help make your dream wedding come true and make your special day one you will never forget!
APPLY NOW & YOU CAN BE APPROVED BY
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.
NZ Finance Customer Reviews
Questions? Our lending team can help.
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We respond to our customers, almost immediately, but in the meantime, please review our commonly asked questions and information about Crester Credit’s 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 personal finance loans application process. We’re here to help with everything finance related, so please ask if you have any questions at all.
FAQ