Vintage Car Finance

We love financing vintage cars. In fact, our owner is a classic car collector himself, so he appreciates the appreciation in a classic vehicles making it an easy decision to approve your vintage car loan application. If you’re a collector, or this is your first venture down history lane, then Crester would love to become your financing parter.


We make vintage car loans easy

We offer loans for vintage cars with flexible repayments, over a flexible term. Use our calculator below to work out your repayments on the value you’d like to borrow, then apply when you’re ready.


We look beyond minor credit blips

Had a blip in your credit history? We take into consideration the security you have, combined with your history when applying for vintage car loans. So if you’ve had a blip, it’s not always the end of the road.


Low interest rates for vintage vehicles

Specialist vintage vehicle finance companies are easier and competitive with banks. Our offering holds up against any of the ‘big players’, ANZ, AA, Westpac & ASB.

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Vintage Car Loan Calculator

Use our New Zealand online loan calculator to determine the repayments you can afford and how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, 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.
vintage driver

How Vintage Car Finance Works.

It’s very simple; start by using our application form to get pre-approved. This way, when you’re negotiating with the seller, you’ll be doing it as a cash buyer and you’ll have more buying power. The online application for vintage car finance takes only 6 minutes to complete, and be sure to write what make and model of vehicle you want to purchase. Once approved, we’ll transfer the funds into your account in as little as 24 hours, or you can delay the loan until you find the perfect vehicle of your choice. Repayments can be weekly, fortnightly or monthly; it’s completely up to you, but to reduce interest costs, we encourage you to pay it weekly. If you choose to repay your loan early, we have a small early resettlement fee, just to cover the administration costs. If you’d like to know more about vintage car loans, please contact us for a confidential discussion.

old muscle car

How To Buy A Vintage Car

Start by identifying the exact model and researching the pricing history. Is it appreciating? Many investors like to buy vehicles, just prior to them being deemed as classic or vintage. A great example of this is the Landrover Defender, which has recently been remodelled and discontinued.

A classic car is defined by being manufactured between 1919 and 1930 but it’s important to remember you should only be acquiring the vehicles that are symbols of an era. Vehicles manufactured between 1931 and 1949 are classified as post vintage. Symbolic vehicles manufactured from 1950 through to 1969 are classed as Classic Acceptance and Modern Classic vehicles are those that were manufactured between 1970 and 1989.

Restoration costs can often blow out. Be careful to buy a fix-er-upper, without the correct advice and restoration company that you trust and ensure that when you’re applying for vintage car finance, you’re asking for enough to complete your project fast, so it can be revalued, and insured appropriately. You don’t want a project that drags on for years.

Make sure you get the right insurance, look for a specialist classic car insurance provider, and ask for a quote prior to purchasing the vehicle.

Do your research on the reliability of the vehicle and the sourcing of parts. If you’re locking the vehicle up in a museum, this won’t be so important, but if you’d like to use it from time-to-time, then be weary as some parts are difficult to replace.

Validate the milage.

It’s important to get the vehicle looked over by a professional who can validate the milage. Many collectors like to tinker with their vehicles, especially when money is involved.

classic cars

Handy Tips

  • Get pre approved with your classic car finance prior to negotiating with the seller or dealer.
  • Pay your vintage car loan weekly, rather than monthly, to reduce interest costs.
  • Subscribe to classic car magazines and forums, and do your research on the vehicle you want for several months before purchasing. See what others have to say.
  • Ensure you have a dry, clean environment to store your vehicle.
  • Ensure you take detailed photos of the vehicle and its storage to keep on record in case of damage, theft and as proof for your insurance company.
  • Put as much of a deposit as you can on your vintage car finance to minimise interest.


Calculating time

Our online application form takes only six-eight minutes to complete. 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.

Questions? Our lending team can help.

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We respond to our customers, almost immediately, but in the meantime, please review our commonly asked questions and information about Crester Credit’s terms and conditions. We’ve included detail about establishment fees, annual interest rates, early settlement options, the responsible lending code of New Zealand, and the online personal finance loans application process. We’re here to help with everything finance related, so please ask if you have any questions at all.

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