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.
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.
$30 per week
Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week
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Our customer rating
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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 from 13.95% to 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.
NZ Finance Customer Reviews
Trailer Finance Questions? Ask our lending team
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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.
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