Crester Credit

As an alternative credit provider, we pride ourselves in being able to process loan applications that are made entirely online.

This means our customers don’t have to travel to us to apply but can sit in their own homes and complete our easy loan application form.

What we require upon application

We require that all applicants be 18 or over, be NZ residents and have a regular income which proves their ability to afford the debt consolidation loan they’re applying for. We will ask you to provide us with your bank statements, ID, proof of address and payslips. Since all our loans are secured you must be able to provide the necessary documents to back up the security you are providing.

How can I enhance my chances of being approved for credit?

If you are looking for a quicker way of ensuring that your credit profile is always up to standard, you have to ensure that you pay all your debts in time. Failure to do this will render your credit profile negative and you may have difficulty getting a debt consolidation loan in the future. We always advise our customers to not apply for an advance plan unless it is really important and necessary.

What can I use my loan for?

While the main purpose of credit is to give clients’ money so they can attend to their debt consolidation issues, they can use the loan for anything. We are not worried about what you intend on using the money for, as long as you meet our requirements, we will transfer the money into the bank account details that you have provided us.

Can I pay my loan earlier than the required date?

If you would like to settle your debt consolidation loan earlier than the scheduled date, you are welcome to do so. There will be no additional charges made to you.  In fact, this will give you a few brownie points.