Car Repair Finance

Faced with unexpected car repairs and need financial assistance to get your vehicle back on the road? Crester Credit’s flexible car repair finance options are here to get you back going.


Quick Approval

Crester Credit offers quick loan approvals, with most applications approved within 24 hours.


Flexible Repayment Terms

Flexible repayment terms tailored to suit each borrower’s individual financial circumstances, with weekly, fortnightly, or monthly repayment options available.


No Hidden Fees

We are committed to transparency and honesty and have no hidden fees or charges. All fees are clearly outlined in the loan agreement, so borrowers know exactly what they are getting into.


Super fast –

Money in your account

just 24 hours

Finance Calculator

Our online car repair loan calculator is here to help you determine how much you’ll need to borrow and how long it’ll take you to pay it back. Normally, you’ll make a deposit on the car as collateral and spread the rest of the payments over a period of up to 36 months.

I want to borrow:
I can afford to repay (per week):

$30 per week

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins
Apply now
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* This is an approximate loan duration based on assumed adequate security, collateral, job security, income, residence situation and positive references.

Car Finance for Unexpected Repairs

Are you in need of car repairs but struggling to find a panel beater that will take your cash?

It’s a common problem in New Zealand, where many panel beaters earn top dollar from insurance companies and aren’t interested in small jobs. But what do you do when you can’t rely on insurance, don’t have a credit card, and can’t afford to drive without a warrant of fitness?

Crester’s Credit’s car repair loans are designed to help you get back on the road quickly and affordably. We understand that unexpected car repairs can be a significant expense, and not everyone has the cash on hand to cover them.

That’s where our innovative Smartcover finance comes in – it’s like insurance when you need it most. With pre-approved vehicle repair loans, you can have peace of mind knowing that you have the financial assistance you need to get your car fixed and back on the road.


Fix My Car Today

No more worries about how to fix my car.

One key point in New Zealand is the requirement for vehicles to obtain a Warrant of Fitness (WOF) every six months.

A WOF is a roadworthiness certificate that ensures a vehicle meets certain safety and emissions standards.

The frequent WOF inspections in New Zealand can be a financial burden on some car owners, especially those with older vehicles that are more likely to fail the inspection.


Failing Your WOF

Failing a WOF inspection can result in costly repairs to bring the vehicle up to standard. This is where car repair loans can be particularly helpful if the repairs are unexpected.

If you’re thinking I need to fix my car, think Crester Credit finance to cover the cost of repairs, new tyres or other necessary vehicle upgrades in the short term, with flexible repayment options over up to 48 months. We have competitive interest rates and car repair loans that can help ease the financial burden of maintaining a vehicle.


trailer finance

How Car Repair Loans Work

Vehicle repair loans work by using your car as security against the loan until the repayments are made in full. Crester Credit offers flexible repayment options, ranging from 13.95% to 26.98% interest rates and up to 36-48 months repayment terms.

You can use our car repair loan calculator to estimate repayment terms and ensure affordability.

3 Car Repair Tips for Kiwis

Here are 3 helpful tips for Kiwis needing car repairs and the certifications that may be required to register your vehicle.


  1. Vehicle checks you can do yourself that don’t take long: Keeping an eye on your car’s fluids can prevent major repairs in the future. Make sure you regularly check your oil, coolant, and brake fluid levels. The NZTA has a helpful guide for checking your car:
  2. Get your car repairs  or modifications certified: You may require repair certification before your vehicle can be registered. Learn more at NZTA:
  3. Keep up with maintenance: Regular maintenance and servicing can help prevent major repairs and keep your vehicle in good condition. Make sure you stay on top of your vehicle’s maintenance schedule and keep all the paperwork in a safe place.3
trailer loan benefits

Car Repair Finance Benefits

Crester Credit’s vehicle repair finance offers several benefits that make it an ideal choice for anyone facing unexpected car repairs, or thinking how to fix my car?

Here are key benefits to car repair loans:


  • Quick and easy loan application process
  • Competitive interest rates
  • Flexible repayment options
  • Tailored loan solutions that fit your financial needs
  • No hidden fees or charges.

Handy tips

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Flexible payment options

The payment schedule for your loan can be adjusted based on your individual circumstances. You have the option to make payments weekly, fortnightly, or monthly, depending on what suits you best. Opting for a shorter payment term allows you to pay off the loan faster, which reduces interest charges. Alternatively, you can spread out the payments over a longer period, which can help you manage your cash flow and keep some liquid cash. To estimate repayment terms and affordability, use our online New Zealand car repair loan calculator.

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What if I have bad credit?

Crester Credit helps people that can prove that they’re back on course financially and together we can assist in helping you build back up a good credit score. However your credit is history is considered in your application.

Frequently Asked Questions

NZ Finance Customer Reviews

Trailer Finance Questions? Ask our lending team

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At Crester Credit we understand that time is often of the essence when it comes to purchasing a trailer. That’s why we make it a priority to respond to your inquiry almost immediately. In the spirit of transparency, we have published our charges, interest rates, and terms and conditions on our website. Additionally, we encourage you to visit our commonly asked questions page to address any other concerns you may have. We take pride in the opportunity to help you with your trailer loan.

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