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!


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 from 13.95% to 26.98% with repayment terms up to 36 months. See our terms and fees page for a complete explanation of our fees.

banner 1

Super fast –

Money in your account

just 24 hours

Trailer finance calculator

Use our online loan calculator to determine how much you should borrow and estimate repayment terms for your next horse float or commercial trailer. Typically you would pay a deposit as a security with the remainder of repayments spread over the rest of the loan term up to 36 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
  • Your data is secure
  • Trusted by
  • Our customer rating
    Google-logo 4.6/5
* This is an approximate loan duration based on assumed adequate security, collateral, job security, income, residence situation and positive references.
trailer park boy

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

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

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:

  1. More Purchasing Power: By choosing to finance, you can afford a superior quality option that may have been unaffordable otherwise.
  2. 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.
  3. 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.
  4. 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

icon bus

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.

icon cactus

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

NZ Finance Customer Reviews

Trailer Finance Questions? Ask our lending team

jeanette-crester-finance-employee Jeanette
finance-staff-karen Karen
finance-staff-jo Jo
finance-staff-skye Skye
finance-staff-peter Peter
finance-staff-laura 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.

icon FAQ