Spa Finance
Spa finance is a great way to upgrade your home. You envisioned a luxurious spa in your backyard, but the expenses pile up, we get it! Not only do you need to pay for the hot tub itself, but there are also all of the extra costs that come with it. Whether you’re planning to purchase a shiny new spa off the showroom floor or a well-loved second-hand one, Crester is here to help.
4.7 rating with 1,725 Google reviews
Fast Fit-Out Approval
Money in your account within 24 hours of approval. Use our office fit-out finance calculator to get started.
Up to 36 Month Repayment Terms
Iron out cash flow with manageable repayments; spreading your spa and hot tub costs across up to 36 months.
Competitive Interest Rates
Our office fit-out finance without the hefty price tag. Compare our rates to what’s offered in-store.
Super fast –
Money in your
account
just 24 hours
Spa Finance Calculator
Use our spa finance calculator to see what your repayments could look like before you apply.
Choose your term
Repayment Details
1 YEAR
Your approximate weekly payment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
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Your data is secure
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Trusted by
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Our customer rating
4.6/5
Free gift with every successful loan application
Get Spa Finance From Crester Credit NZ
Step 1
Apply Online (4 mins)
Use our instant loan calculator to see your loan repayments amount. Once happy, apply using our easy online loan application form.
Step 2
Fast Processing
Our service is fast. We credit check your loan application instantly & get back to you with your approval results within just 1 hour.
Step 3
Quick Loans
Once approved, you’ll receive your fast cash loan in your account within 24 hours & you’ll receive your gift.
Getting started takes only 6 minutes, subject to the responsible lending code of New Zealand. Our online application form for loans online is fast & easy.
Rates
With Crester, you can repay your loan over a term of up to 36 months, with flexible weekly or monthly repayments to suit your budget. Our interest rates range between 9.95% and 26.98% p.a., depending on factors like your credit profile, loan purpose, and selected term. For a full breakdown including early repayment options, default interest, and establishment fees, please refer to our Rates and Fees page.
Terms
Before applying with Crester, please take a moment to review our terms and conditions. When you apply, you’re agreeing to let us collect and securely store your personal details. We aim to ensure all information on our site is current and accurate. If anything seems off, get in touch in writing and we’ll work to correct it. Crester follows New Zealand’s Responsible Lending Code.
Fees
Your personal data is protected with end-to-end encryption on all Crester web forms, ensuring your details remain secure throughout the loan process. We manage all client information with strict confidentiality, using robust security measures to guard against unauthorised access. Crester also complies fully with New Zealand’s privacy laws. For more information, see our Privacy Policy.
Chilled and Easy Spa Finance
We understand life can get hectic. That’s why Crester Credit aims to make the process of securing spa financing as smooth as possible. You can apply within minutes, encounter minimal red tape, and expect a quick response. Once approved, we finance both new and second-hand spas without bumps or stress. Often we can even have funds in your account within 24 hours, so you can start relaxing under the stars in those bubbles sooner. At Crester, we offer more than just spa finance. We provide a friendly and stress-free way to secure funding for your new or used spa, coupled with competitive interest rates as part of the package. How good!
Tips For When You Are Buying A Spa
1. Prioritise Energy Efficiency for Long-Term Savings
It’s time to think long term! When buying a new or second-hand spa, it’s beneficial to prioritise energy efficiency. Spas that are designed with efficient insulation and energy-saving features might cost a little more upfront, but they’ll save you a bucket of money on energy bills in the long run. This is important to think about, especially in Christchurch’s chilly weather where you’ll likely be using your hot tub regularly. To help with the upfront costs of an energy-efficient model, remember that Crester offers competitive spa financing options for both new and second-hand spas.
Size, Shape & Features – Figure Out What Works For You
2. Consider the Size and Features
Whether you’re purchasing a shiny new hot tub off the showroom floor or second-hand beauty that’s got years of use still in it, don’t forget to think about the size and features that best fit your needs and wants. It is easy tog et distracted by daydreaming about all those chilled nights in the same that are to come. However start thinking about your own unique space and what you’re looking for in the spa itself. How many people will typically be using the spa? Do you want a spa with inbuilt hydrotherapy jets? What shape do you need for your space? Colour? Built in or not? Keep these questions in mind while shopping.
Check Twice!
3. Inspect Second-Hand Spas Carefully
There are so many second hand spas out there that can be picked up for a bargain! But when considering a second-hand spa, carefully inspect the unit for any signs of damage or wear. The last thing you want is to hand over the cash for a dud. If you have a friend who is handy with mechanics or anything in this area, take them with you for a detailed inspection. Ask for a demonstration to ensure all features are working correctly. Ideally, you want to be purchasing a second hand spa that is in great working order. You probably don’t want to get one that needs work right from the beginning. Remember, check twice, inspect all the nooks and crannies of the spa. Check that there are no leaks, the electrical works, there is no build up of mould or anything that could be dangerous for your or your families health.
What your loan really costs
No surprises. Here’s the full picture before you apply:
- Interest rate: between 9.95% and 26.98% p.a., personalised to your situation and fixed for the life of your loan.
- Establishment fee: between $135 and $995 depending on your loan size, charged once at the start.
- Administration fee: $10, plus $5 for each additional borrower.
- Repaying early: a $65 administration charge applies, plus any prepayment charge as calculated under the regulations.
Every fee we charge is published on our loan interest rates and fees page, and your loan contract shows your exact rate, fees and total repayments before you sign. For a personalised repayment estimate, use the calculator above.
Real people, start to finish. Talk to the same friendly team from application to payout. Meet the Crester team
APPLY NOW, DECISIONS USUALLY NEXT BUSINESS DAY*
* Decisions are usually made on the next business day after your application. Our online application form takes only six-eight minutes to complete, subject to approval in accordance with the responsible lending code of New Zealand. 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, and we’ll contact you as soon as possible.
Frequently Asked Questions
What is spa finance?
Spa finance is a financial solution that allows you to spread the cost of a new or second-hand spa over a certain period. This means you can enjoy your spa right away while paying for it in smaller, manageable monthly payments. Crester offers competitive financing options for both new and second-hand spas
Can I finance a second-hand spa?
Absolutely! We totally understand that a second-hand spa can be just as great as a new one. That’s why we offer financing options not only for new spas but also for used ones
Can I use spa finance for other spa-related expenses?
Yes, you can. Crester’s spa financing can be used towards the cost of the spa itself, installation, ongoing maintenance, necessary repairs, and accessories.
What should I consider when choosing a spa?
When shopping for a spa, consider the size, features, energy efficiency, and your budget. It’s so important to pick a spa that suits your needs, such as the number of seats, hydrotherapy options, and insulation for colder climates like in Christchurch.
What New Zealand Borrowers Say About Us
Rated 4.7 out of 5 stars based on 2044 customer reviews.
Questions About Spa Finance? Ask Our Lending Team.
Jeanette
Karen
Jo
Skye
Peter
Laura
When shopping for spa finance, you’ll find that our response time at Crester is pretty impressive. However, it’s important to check out the terms and conditions of the financing agreement. Check out our frequently asked questions page where we cover everything from interest rates to early settlement options, responsible lending practices, our fee structure, and more. At Crester Credit, we’re experts in spa financing, both for new and second-hand models. Don’t hesitate to reach out if you have any queries – we’re always here to help.
FAQ