Rating based on 47 reviews

Crester Credit


  • Low-interest starting from 13.95%
  • Loans bad credit up to $15,000
  • Repayment up to 3 years

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Author Crester Credit. Screenshot of Crester Credit website. [Accessed May 23, 2018]

About Crester Credit

We've helped thousands of Kiwis access personal cash loans when they needed it the most.

As a well-established lender that is registered with the government, customers can rest assured that they're dealing with a reputable lender that will never take advantage of them or overcharge them.

Why we're in a class of our own

Everything about Crester Credit is unique. From our loan products and rates to the way we deal with customers - it's fair to say that we're simply one in a million! With us, you can get a small quick loan from the comfort of your own home and have it transferred to your bank account in just hours.

What Crester Credit can offer you

We certainly live in difficult times with fuel, electrical and grocery prices skyrocketing and constantly leaving us broke and unable to do the things that we really need and want.

We offer bad credit loans that you can apply for online to help you deal with such problems. Don’t let cash flow problems get the best of you - fight back with an affordable loan!

Get as much as $15,000

At Crester Credit we resemble a bank more than we do other online lenders that help people with bad credit. We off personal loans of up to $15,000 and have longer loan terms of up to 3 years. Our annual interest rate is 22.95% and we allow customers to pay over the term of up to 3 years.

Crester Credit Product Details

  • Loan Type Loans bad credit
  • Interest Rate 13.95 – 26.98% p/a
  • Loan Amount up to $15,000
  • Repayment 30 days to 3 years
  • Decision 1 hour

We strive to help you get a flexible bad credit loan

Prior to beginning your loan application it's a good idea to evaluate your income and expenses to determine how much you can afford to repay each month.

Once you know this figure it's much easier to select your desired loan amount.

A stress-free online loan application

When people hear the word "application" they immediately expect the worse. With images of mounds of paperwork and supporting documents, many people believe that taking out a loan is something complicated and stressful but, with Crester Credit it is anything but complicated and stressful. You can take out a bad credit loan online in just a few minutes - no paperwork, stress or time-wasting involved! 

Our loan application process is ideal for someone who does not have the time, patience or inclination to spend hours of their lives filling out forms and standing in line at the bank to get something done.

How to apply for a Crester Credit loan

We at Crester Credit take pride in the fact that our online application process is quick and easy taking you on average just about 8 minutes to complete the online form. From there, our clients need only upload a form of ID (passport, driver’s license, 18+ card, etc.) and provide us with your current (stable) address.

Processing time and pay-out

Once our applicants have submitted their online application along with their ID and address, one of our dedicated team members will be in touch within 60 minutes (during business hours, Mon-Fri 08:30 am – 5 pm) and clients can expect their money to be paid out into their bank account within 24 hours.

Rates and fees to note

All applicants should be made aware that there are fees they should take note of when applying for a loan with any lender company, Crester Credit included. Such rates and fees include:

  • Our interest rate ranges from 13.95% to 26.98% per annum
  • A default interest rate of 10% will be added to all repayments that are in arrears
  • Loan establishment fee (amount dependent on loan amount)
  • Registration fee (dependent on loan type)
  • $6 Administration fee
  • $50 Variation fees (applicable when terms of an existing loan are changed)
  • Full prepayment fees
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Crester Credit is a trusted & reliable provider of loans bad credit

In our review, Crester Credit adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Crester Credit is a registered credit provider in New Zealand: 229306

Customer Reviews & Testimonials

June 2018

Been a long-time client and can honestly say I didn't think it was possible but it just keeps getting better! Such a great service.

Devon B
— Dunedin —

October 2018

I got my loan the day after I applied. Such a speedy service definitely will recommend to others

Trish W
— Christchurch —

December 2018

Really easy and convenient experience. Crester was able to help me when I was in a bind with a spontaneous family getaway. Appreciate the service and friendly staff!

Monica D
— Christchurch —

Crester Credit Contact Details

Physical Address

Postal Address

  • PO Box 1730, Christchurch, 8013, New Zealand

Opening Hours

  • Monday 9.00 – 17.00
  • Tuesday 9.00 – 17.00
  • Wednesday 9.00 – 17.00
  • Thursday 9.00 – 17.00
  • Friday 9.00 – 17.00
  • Saturday – closed
  • Sunday – closed