Equipment Financing

If you’re ready to grow your business by purchasing equipment that’s going to increase productivity, then Crester Credit can put you in a position of power when negotiating with business funding and equipment loans. We build relationships with business owners so you can simply lift the phone, get a verbal thumbs-up, allowing you to negotiate with suppliers as if you are a cash buyer. There’s nothing sweeter.


No Hoops To Jump Through

We try and make borrowing easy, once the formalities are in place. We promote long-standing relationships that help you grow your business without the red-tape you might get from a bank.


What Is Equipment Financing?

An equipment loan is when you request finance for the purchase of fixed assets, such as machinery, tools, or work vehicles. We prefer to loan on equipment that holds it’s value and most business machinery does just that.


We give you better interest rates

You’ll get better finance rates from us than nearly all of our competitors, plus, you’ll be given the opportunity to negotiate a lower price on the equipment being a cash buyer.





NZ Loan Calculator

Use our New Zealand online loan calculator to determine the repayments you can afford and how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, and we then spread the remainder across 48 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.

Business Funding NZ-wide

Crester is renowned for being easy to work with when SME’s require business funding for equipment loans, machinery and other asset purchases.

We often help builders with as-is-where-is loans to purchase, restore and reinsure houses for resale. Whatever your business is, there’s probably a time where you’ll be presented with an opportunity to capture or to improve productivity, and Crester would like to be the first business funding company you think of.

We like to do business on a good-old Kiwi values. We get to know you as a person, build trust, and we make the borrowing process as easy as possible. Our head office is based in Christchurch, but no matter where in New Zealand you’re based, we’ve got people on the ground.

Loans NZ-Wide

Finance Equipment Like This

Trailors & Work Vehicles

Need a tractor? A trailer, a grading plate, a bailer, a work ute? Crester can help with equipment loans and business funding.

Heavy Machinery

If you’re an engineer, you may need a Lathe. You’ll also need transport for delivery and perhaps to increase your power supply. Crester can assist with the entirety of the purchase and installation costs.


Equipment financing also extends to industry-specific tools, such as electricians testing tools, a builders toolbox and its contents, and engineers geotechnical drilling equipment. Crester can help.

Medical Equipment Loans

Medical devices such as dentistry instruments, defibrillators, scanners, specialised furniture for patients and anything related to your industry can be considered for equipment finance.


Handy Tips

  • There’s good debt and bad debt. If you’re taking an equipment loan to improve productivity and it’s not beyond your financial reach; then this is good debt.
  • Equipment loans are the easiest loans for Crester to finance because business equipment and tools often hold a significant residual value.
  • Put the largest deposit down possible so you pay the least amount of interest across the repayment term.


Calculating time

Our online loan application form is your ticket to instant financing.

Questions? Connect with a friendly member of our lending team.

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We respond to requests immediately, so we’ll get back to you super-fast to discuss your request. In the meantime, please review our answers to common questions and information about terms and conditions, establishment fees, annual interest rates, early settlement options, responsible lending, the application process, or anything else you’d like information about, including our other financial services. We’re here to help.

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