Trailer Finance
Whether you’re looking to buy a new or used handyman trailer, a heavy duty commercial one, horse float or camper trailer for your weekend adventures, Crester Credit offers flexible finance solutions tailored to you. Whether it is shiny new from the yard or second-hand gem that you buy privately, we have your financial back!
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Flexible responsible lending
At Crester Credit we offer flexible trailer finance options and evaluate each application individually. To know how much you can borrow, repayment terms, and their affordability, use our online loan calculator.
We look at the bigger picture
Have confidence knowing that while evaluating your application for a loan, we consider several factors as part of our lending criteria, such as your income, financial situation, and available security.
Trailer loan terms
Crester Credit offers finance at interest rates ranging between 9.95% and 26.98% with repayment terms up to 36 months. See our terms and fees page for a complete explanation of our fees.
Super fast –
Money in your
account
just 24 hours
Trailer Finance Calculator
Use our trailer 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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Our customer rating
4.6/5
Free gift with every successful loan application
Get Financing For Trailers From 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.
Trailer Loan Benefits
Get approved quickly for finance, and you’ll be able to negotiate as a cash buyer. When it comes to purchasing a trailer, one crucial factor that buyers often overlook is whether their car is compatible with the one they want. Buying the wrong set up for your car can be a costly mistake and dangerous too. To avoid this, there are a few important things you need to keep in mind.
Firstly, ensure that you get the coupling right. Most cars have a ball tow bar, so it’s important to find a coupling that matches.
Next, make sure your car is capable of towing the weight at maximum capacity. This information can be found in your owner’s manual or through an online search. Going for one that is too large for your car can put unnecessary strain on your vehicle and lead to expensive repairs. To avoid this, aim for something a little under your car’s capacity, and consider a lightweight option like an aluminium boat trailer for better maneuverability.
Other components to look out for include specific wheels and tyres, an axle located behind the load centre for greater stability, and a strong rear bumper to handle heavier loads. A longer tongue also offers greater flexibility and control while towing.
If you’re looking to finance your next purchase, check out our loans with our competitive rates and flexible terms. Use our loan calculator to estimate repayment terms and contact us if you have any questions!
Trailer Finance Requirements
When applying for a new trailer or used loan in NZ there are a few things you need to know. To apply for a loan, you must be a New Zealand resident or visa holder over 18 years of age, hold a valid driver’s license and show proof of income. Next you’ll need the deposit for the purchase and do your research into the right finance loan option for you.
Trailer loan benefits
So you’ve made a decision to get a trailer? A loan can be an excellent way to finance your purchase while enjoying a range of benefits that can help you get the most out of your investment.
Here are some of the key advantages of financing:
- More Purchasing Power: By choosing to finance, you can afford a superior quality option that may have been unaffordable otherwise.
- Flexible Repayment Options: Loans come with flexible repayment options, allowing you to choose a payment plan and structure that fits your budget and lifestyle. You can choose to pay off your loan in a shorter period with higher payments or spread the payments over a longer time with lower monthly instalments.
- Tax Benefits: Depending on your situation, you may be eligible for tax deductions on the interest paid on your finance. This can help you save money and offset the cost of your loan.
- Preserve Your Savings: You can keep your savings intact, allowing you to use them for other items.
Overall getting finance is a smart choice to consider for anyone looking to purchase a new or used one without spending a lot of money upfront.
Handy tips
Flexible payment options The payment schedule for your loan can be adjusted based on your individual circumstances. When it comes to the term of the loan, you have the option to make payments weekly, fortnightly, or monthly, depending on what suits you best. Opting for a shorter payment term allows you to pay off the loan faster, which reduces interest charges. Alternatively, you can spread out the payments over a longer period, which can help you manage your cash flow and keep some liquid cash. To estimate repayment terms and affordability, use our online financing calculator.
What if I have bad credit? Crester Credit helps people that can prove that they’re back on course financially and together we can assist in helping you build back up a good credit score. However your credit is history is considered in your application.
Frequently Asked Questions
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You can take out a personal loan from the bank, or you can apply for a tailor-made finance solution through Crester Credit.
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This can be anywhere from one year to three years. Chat to one of our finance specialists for a personalised loan term.
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Crester Credit offers trailer finance at interest rates ranging between 9.95% and 26.98%. Repayment terms can run up to 36 months and in some circumstances even beyond, all depending on collateral and loan term.
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At Crester Credit we understand that a bad credit score doesn’t always tell the whole story. You may still be able to get a loan with us as we look into many different variables of your financial capacity when you apply.
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Absolutely! Whilst we do recommend figuring out which one you specifically want first, you don’t have to do that. It is recommended to know how much the item costs, but isn’t essential in the application process.
What New Zealand Borrowers Say About Us
Rated 4.7 out of 5 stars based on 2044 customer reviews.
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
Trailer Finance Questions? Ask our lending team
Jeanette
Karen
Jo
Skye
Peter
Laura
At Crester Credit, we understand that time is often of the essence when it comes to purchasing a trailer. That’s why we make it a priority to respond to your inquiry almost immediately. In the spirit of transparency, we have published our charges, interest rates, and terms and conditions on our website. Additionally, we encourage you to visit our commonly asked questions page to address any other concerns you may have. We take pride in the opportunity to help you with your loan.
FAQ