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

You can get the credit you need without letting your bad credit score get in the way.

They've helped thousands of Kiwis access personal cash loans for bad credit 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 they're in a class of their own

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

Affordable loans at Crester Credit

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.

Crester Credit offers 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.

What Crester Credit can offer you

At Crester Credit they are passionate about helping the people of New Zealand get the credit they need, fast.

They offer personal loans for bad credit of up to $15,000 and have longer loan terms of up to 3 years. You will also enjoy low-interest rates with them, making your journey towards financial freedom so much easier.

A stress-free online loan application

When people hear the word "application" they immediately expect the worst. 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 entirely the opposite.

You can take out a bad credit loan online in just a few minutes - no paperwork, stress, or time-wasting involved!

Their 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 lines.

The best loans for bad credit NZ

With the people of New Zealand in mind, they created their products in a way to suit all income levels and most financial backgrounds. So, as long as you have the affordability to pay for the bad credit loan, chances are good for them to approve your loan.

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 bad credit 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.

Step 1: Complete the form

They at Crester Credit take pride in the fact that their online loan application process is quick and easy taking you on average just about 8 minutes to complete the online form.

Step 2: Upload your documents

From there, you’ll only need to upload a form of ID (passport, driver’s license, 18+ card, etc.) and provide them with your current (stable) address.

Step 3: Processing time and pay-out

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

Rates when applying for a bad credit loan

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:

  • Their 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).
  • Small full prepayment fees.

Why choosing Crester Credit is a good idea

  • They deliver extremely fast and reliable service
  • A high level of transparency
  • Friendly, helpful, and well-trained staff that is always ready to assist.
  • Low rates
  • Quick processing and approval.
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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 2020

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 2020

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

Trish W
— Christchurch —

December 2020

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 —

August 2021

Got everything I was looking for in less than 1 hour. This company knows what they’re doing.

Clark A
— Nelson —

June 2021

Very pleased with the service I received from them. They were super friendly and helpful. I had access to cash in just a few hours.

Walker M
— Dunedin —

February 2022

They were super friendly and helpful. I had access to cash in just a few hours.

Watson M
— Dunedin —

Crester Credit Contact Details

Physical Address

Postal Address

  • PO Box 1730, Christchurch, 8013, New Zealand

Opening Hours

  • Monday 09.00 – 17.00
  • Tuesday 09.00 – 17.00
  • Wednesday 09.00 – 17.00
  • Thursday 09.00 – 17.00
  • Friday 09.00 – 17.00
  • Saturday – Closed
  • Sunday – Closed