Equipment Financing NZ

Equipment financing is best used to grow your business by purchasing equipment to increase productivity. If this is your plan, then Crester Credits finance options can put you in a position of power when negotiating with business funding and pre-approved equipment loans. We build relationships with business owners so you can simply lift the phone, get a verbal thumbs-up, so you can negotiate with suppliers as a cash buyer with an equipment business loan. There’s nothing sweeter!


No Hoops To Jump Through

We make it easy to apply for finance & foster long-standing relationships that help you grow your business without the red-tape you might get from a bank when applying for a simple business equipment loan.


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 its value with a low depreciation rate.


business funding & better interest rates

Better finance rates than nearly all of our lender competitors. Negotiate a lower buying price on the equipment as a cash buyer. The more you borrow, the lower the interest rate we offer.





Equipment Loan Calculator

Use our online equipment loan calculator. Discover the repayments, the term of the loan and the maximum you can borrow based on affordability. Factor in a deposit on the item you wish to purchase, too. This acts as security and lowers your repayments. We then spread the remainder across 36-48 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 duration of your equipment finance based on assumed, adequate security & collateral, job security, income, residence situation and positive references that you can provide..

Business Funding NZ-Wide

Business funding is Crester’s bread and butter. We’re renowned for being easy to work with when SMEs require a finance partner for equipment loans, machinery, construction equipment and other asset purchases.

We often help builders with as-is-where-is loans to bridge the purchasing, a restoration before reinsuring houses for resale. Whatever your business is, there’s probably a time when you’ll be presented with an opportunity to capture or improve productivity. Crester would like to be the top of equipment financing companies that you think of to get the equipment you need!

We like to do business, based on good-old Kiwi values. We get to know you as a person, take the time to understand your business, and we make the borrowing process as easy as possible for equipment financing for growth and increasing cash flow with our competitive rates. Our head office is based in Christchurch, but no matter where in New Zealand you are, we’ve got people on the ground to assist with the online application process.

Equipment Loans NZ-Wide

Finance Equipment Like This

Financing Trailers & Work Vehicles

Wanting to finance a second-hand tractor? A trailer, a grading plate, a bailer, a work ute for your big or small business? Crester can help with agricultural equipment loans and small business lending.

Heavy Machinery Finance

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 with equipment and machinery flexible finance.

Financing Tools

Equipment financing options also extend to industry-specific tools, such as electricians testing tools, a builders toolbox and its contents, and engineer’s geotechnical drilling equipment. Crester can help with acquiring new equipment.

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. New or used, we’ve got your back!


Handy Tips

  • There’s good debt and bad debt. If you’re taking out finance for equipment to improve productivity, and it’s not beyond your financial reach; then this is good debt for your business needs.
  • Advantages of equipment loans are the easiest lending for Crester to agree upon because business equipment and tools often hold a significant residual value.
  • Put the largest deposit down possible when taking out equipment, tools and machinery financing, so you pay the least amount of interest across the repayment term.
  • Purchasing the equipment through financing can be more advantageous for you when compared to equipment leasing. Once the loan is paid in full at the end of the term, you get to keep the equipment rather than not owning it outright in an equipment finance lease.


Calculating time

Our online application form takes only six-8 minutes to complete. Start by filling this in, and if you’d like to talk with one of our loan officers, please make a note of it in the application.

Equipment financing loan questions? Our lending team can help.

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We respond to our customers, almost immediately, but in the meantime, please review our commonly asked questions and information about Crester Credit’s terms and conditions. We’ve included detail about establishment fees, annual interest rates, early settlement options, the responsible lending code of New Zealand, and the online finance application process. We’re here to help with everything finance related, so please ask if you have any questions at all about our different types of equipment financing.

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