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.


Fast Fit-Out Approval

Money in your account within 24 hours of approval. Use our office fit-out finance calculator to get started.


36-48 month Repayment Terms

Iron out cash flow with manageable repayments; spreading your spa and hot tub costs across 36-48 months.


Competitive Interest Rates

Our office fit-out finance without the hefty price tag. Compare our rates to what’s offered in-store.


Fast Spa Finance –

Money in your account

just 24 hours

Spa Finance Calculator

Our New Zealand online loans calculator will help you determine the repayments you can afford when seeking spa finance and how much you should borrow. Usually, you’ll make a deposit on the items you wish to buy, which acts as security, and we then spread the rest 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.

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.


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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.


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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.

Frequently Asked Questions

NZ Finance Customer Reviews

Questions About Spa Finance? Ask Our Lending Team.

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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.

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