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.


Easy Vintage Car Loans

Of all the lending we do, classic car finance is the easiest to approve. Few products that go up in value, so subject to affordability and having a good credit record, it’s likely that’ we’ll approve your loan.


We look beyond bad credit ratings

If you’ve had a minor blip in your credit history, but you can provide enough collateral or security to satisfy our lenders, then we’re open to lending.


Low interest rates

You’ll often find that car finance is horrendous in cost. Compare our low rates and fees against our competitors. Our online calculator can work out your repayments.





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.

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 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 very small early resettlement fee, just to cover the administration costs. If you’d like to know more, please feel free to contact us for a confidential discussion.

reno tips

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. 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.

Make sure you get he 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.

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.


Calculating time

Our online loan application form is your ticket to instant financing.

Questions? Connect with a friendly member of our lending team.

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We respond to requests immediately, so we’ll get back to you super-fast to discuss your request. In the meantime, please review our answers to common questions and information about terms and conditions, establishment fees, annual interest rates, early settlement options, responsible lending, the application process, or anything else you’d like information about, including our other financial services. We’re here to help.

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