Terms and Conditions

Please review the following terms and conditions which govern the use of our website. Crester Credit is a responsible lender of short term loans and we encourage you to read and understand our terms prior to applying for a short term loan. If you have any questions, please feel free to ask. By accessing, browsing or using this site, you acknowledge that you have read, understand and agree to be bound by these terms. This website (site) is operated by Crester Credit (referred to in these terms as ‘we’, ‘us’ or ‘our’).

Terms Of Use Intellectual Property Rights

All intellectual property on this site, including without limitation any trademarks, text, graphics and copyright, is owned by us or our content suppliers. We are the exclusive owner of all rights in the compilation, design and layout of this site.

Right To Use Site And Content

You may use this site only for the purposes for which it is provided. You must not use this site for fraudulent or other unlawful activity or otherwise do anything to damage or disrupt this site.


We endeavour to ensure that any content will be current, accurate or complete when you access it. However, any error or inaccuracy which is brought to our intention will be dealt with within a reasonable time. This site may contain links to other websites owned and operated by third parties and which are not under the control of us. In relation to any linked sites, we provide these as a convenience to you and the existence of such a link does not imply any endorsement by us of the linked site and we are not responsible for any material contained on those sites.

Privacy And Security

When you apply for a loan you are granting us permission to store your personal information.


We will only use personal information about you for the following reasons:

  • To process your loan application
  • To liaise with Centrix for a credit report
  • To add to our database so we may inform you of specials via email or post
  • To respond to your queries

We may share your personal information:

  1. To process your loan application
  2. To liaise with Centrix for a credit report
  3. To add to our database so we may inform you of specials via email or post
  4. To respond to your queries

Except as provided above, we will not share your personal information with any third party.

Correct Information

We will take all reasonable measures to ensure that personal information held by us is accurate and up-to-date. You are entitled to know as to whether or not we hold personal information about you and you are entitled to reasonable access to this information. You may also request:

  1. That we correct this information if it is inaccurate;
  2. You can make changes to your personal information, by contacting us using the “Contact Us” page on this site.

If you would not like to receive emails from us regarding offers and promotions you will have the opportunity to unsubscribe. If you unsubscribe, you will continue to receive emails specifically related to your loan.


All amounts displayed are in New Zealand Dollars (NZD).


We may amend these terms of use from time to time, so you should check and read these terms of use regularly. By continuing to use this site after any such amendment you are deemed to have agreed with the terms of use.

Jurisdiction and Governing Law

These terms of use and any matters or disputes connected with this site will be governed by New Zealand laws and will be dealt with in New Zealand courts.


Calculating time

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.