Buy A Tiny Home On Finance
Get tiny home finance and preliminary approval within 60 minutes, assuming you pass our credit checks and your application is inline with the responsible lending code of New Zealand. Spread repayments across a number of years, with affordable and manageable finance rates, and enjoy the freedom of having a home away from home.
The Kiwi tiki-tour doesn’t need to be a dream; instead, it can be your reality.
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Flexible Loan Repayments
Choose your own term to determine your repayment amounts. We encourage you to pay off any debt as fast as possible, while still enjoying life.
Get Pre-approval
Negotiate as a cash buyer by being pre-approved for your tiny home finance. You may just save thousands.
Pay today, drive away tomorrow.
Once approved, you can have money transferred into your account overnight, or directly to the company you are buying the tony home from.
Super fast –
Money in your
account
just 24 hours
Tiny Home Finance Calculator
Use our tiny home 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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Our customer rating
4.6/5
Free gift with every successful loan application
Get Tiny Home Finance With Crester Credit
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.
Tiny House Finance Costs
If you’re financing a tiny house, then yes, there’s going to be an interest cost. Ideally, you’re able to rent your normal home out while touring our beautiful Aotearoa, to compensate for fuel and travel costs. If not, then it might be a clever idea to think about working remotely with a laptop, meaning that you’ll need a strong Wi-Fi connection or Elon Musk’s new satellite.
You can bundle all the additions, modifications, and accessories into the single finance package. You’ll then want to shop around for the lowest interest rates from all finance companies in New Zealand, and the best conditions, and hopefully you’ll end up back at Crester, considering us as your best tiny home loan option.
What is the maximum tiny home financing available?
Our calculator goes to a maximum of $100,000 NZD, but if you’re slightly over that threshold, it’s no drama, assuming you can afford it and you have a suitable amount of security for the loan. Remember, it’s not just the loan for the tiny home you’ll need, it’s the accessories, the Wi-Fi capability and the complete set-up that you’ll need to finance. Always add in a contingency factor of 10% when purchasing, so you’re prepared for hidden expenses.
Buying new & selling a second-hand tiny home.
The great thing about financing a new tiny home is that they don’t have a high depreciation rate, like an iPhone or a car might. They’re more similar to a caravan or trailer, and in times of inflation, you’ll find they’re holding their values well. A good thing to do before making a purchase is to research how much your tiny home will be worth in 4 years’ time. If you can sell it for a large percentage of the original value in 4 years’ time, then it’s a good buy and upgrading, so you always have a new tiny home could be on the cards, assuming you can afford it.
Handy tips
Can I sell my tiny home before the finance agreement is finished? If you want to sell your tiny home prior to the finance agreement finishing, then we can come to an agreement, but you need to call us first. The Tiny Home is under the finance companies’ ownership, because it’s used as security to offset the loan. It needs to be sold at market-rate, and the remaining finance amount needs to be settled immediately upon sale.
What happens if I get a year down the track and can’t afford the repayments. Life changes sometimes, but rest assured, we’re responsible lenders, and only lend to people who can afford the loans they’re applying for. If you do get into a sticky situation, there are several options, so it’s best to call us, but one possibility is that we can look at refinancing, which lowers your repayments over a longer term.
Can I pay my tiny home loan off faster? Yes, we encourage you to pay as fast as possible to reduce your overall cost of interest. If you have extra funds, then it’s definitely a smart choice to be directing them to your loan.
Interest rates on tiny house financing Interest rates may vary, but usually we offer loans between 9.95% and 26.98% with a term over a period of up to 36 months. For larger purchases, the interest rates are usually on the lower end of the scale. Tiny homes are often considered large purchases.
If I have a loan pre-approved, how long do I have to purchase? Once approved, you’ll have three months to make a purchase, otherwise, we’re legally obliged for you to submit new documentation as evidence of your income, and your credit checks, etc.
How much deposit will I need? When entering into any finance agreement for a Tiny, Crester Credit looks for a deposit between 10-20%, as well as providing security.
Do I need to keep my insurance up to date? Yes, as part of the finance agreement, you need to keep insurance up to date. It’s very important or you’ll be in breach of the agreement.
Do I need additional security for tiny home financing? Yes, we ask for a deposit, but also security, where possible.
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.
Tiny House Finance Questions? Ask Our lending team
Jeanette
Karen
Jo
Skye
Peter
Laura
We typically respond almost immediately to any questions you have because we understand the excitement around buying your new tiny home. For full transparency, our interest rates, costs, and terms and conditions are all published on our website and you can find them in our footer.
FAQ