Crest Financial | About Us
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About Us


Crest Financial is one of the nation’s fastest growing “No Credit Needed” financing companies. Established in 2005, Crest Financial has provided excellent financing to thousands of satisfied consumers, and thousands of successful retailers. Crest Financial is committed to providing more success for retailers, more opportunity for consumers, more service to the community and more growth for employees than any other company in the industry. Crest Financial continues to lead the industry by setting cutting-edge trends and providing outstanding customer service.


Crest Financial is a privately owned company that provides a superior secondary financing service. Crest is an innovative industry leader in “No Credit Needed” financing.  Crest provides outstanding customer service, provides instant approvals, uses leading technology and has the highest amount of approvals. For our partnered retailers, Crest Financial provides next-day funding, growth of customer base, free customized marketing materials, exceptional customer service, and brand protection and loyalty. For our consumers, Crest Financial provides exclusive offers like In-Home Layaway™, a 90 buyout option, instant approvals, the highest amount of approvals, and flexible payment options.


We provide families with No Credit Needed financing through selected retail partnerships.


Customer Support

H | Mon-Fri 7am- 8pm
Saturday 9am- 5pm MST
Closed Sunday
E |
C | 855-552-7378

Retailer Support

H | Mon – Fri: 9am – 5pm MST
Closed Saturday & Sunday
E |
C | 855-282-7378 x 3

Underwriting Support

H | Mon – Sat 7am-9pm
Sun 10am-6pm MST
E |
C | 855-28CREST (855-282-7378)

Mailing Address

Crest Financial
61 West 13490 South
Salt Lake City, UT 84020

*Open all holidays excluding Thanksgiving, Easter & Christmas


Rob is recognized in the financial industry with over 35 years of successful management and sales experience. Rob got his start in sub-prime lending in the early 1990s and has an extensive background in starting successful businesses. Rob has held many service and charity leadership positions in his over 35 years of living in Utah. Rob is an avid golfer, has traveled the world, and enjoys spending time with his many grandchildren.

Robert Coombs

President, Co-Founder

Josh attended the University of Utah where he completed his bachelor’s degrees in Accounting and Finance and his Masters in Finance. He has over 12 years of experience in these fields as well as corporate strategy, M&A, tax, and audit. Josh was instrumental in leading one of the nation's top level travel agencies to new heights. He currently holds an active CPA license with the State of Utah. Outside of relaxing with his wife and family, Josh enjoys hiking, traveling and serving on the board of CHOICE Humanitarian.

Josh Cameron

Chief Financial Officer

Under Bob’s leadership, Crest Financial has evolved from a groundbreaking idea into one of the leading financial companies in the nation. After graduating from Utah State University, Bob started making his name in the financial industry. Since he got his start in 1990, he has founded several other successful financial companies. Bob’s signature to these companies is implementing business and collection systems while paying strict attention to detail to ensure success. In his spare time he enjoys playing baseball, water skiing, working on his ranch, and spending time with his three children.

Bob Millerberg

Chief Executive Officer, Co-Founder

Al's career as a software developer started at an early age when he made his first program for a science class in middle school. Hooked on coding, he later attended the University of Montana where he studied Computer Science. He has worked for various companies including Omniture, HP and ACS before becoming the CTO of Crest Financial. His expertise helped him build a powerful and safe tech system customized for Crest Financial. Al is now recognized in the industry for his problem-solving skills and aptitude for innovation. Al enjoys spending time in the mountains and riding his off road motorcycle in his free time.

Al Wild

Chief Technology Officer

Under Clint’s leadership, the ``No Credit Needed`` program has become one of the most highly-recognized finance programs in the nation. Much of this success can be attributed to his talent for finding the right person for the job and his ability to teach and motivate. Clint has outstanding operational skills and has years of experience managing call centers and other business operations. Clint played collegiate baseball, is multilingual, enjoys camping, playing racquetball, and especially spending time with his four daughters.

Clint Cowley

Chief Operations Officer, Co-Founder

Matt has years of experience in marketing sales, national business consulting, and consumer finance. Matt has an extensive background in retail sales and has consulted hundreds of major retailers to help place product and grow sales. Along with being an industry expert, he is also a dedicated and decorated leader who served in the United States Air Force. Matt is a finisher of the Ironman Triathlon, soccer coach, Crossfit athlete, life coach and proud father.

Matthew Dishman

Vice President of Sales



Are there costs associated with using Crest Financial for the Retailer?

Crest Financial can be 100% free of charge for any retailer. With many financing options available, retailers may choose between 0% and up to 6% financing per lease. There are no monthly fees or recurring fees for our partnered retailers.

How can my customers apply for financing with Crest Financial?

Customers may apply through integrated retailer websites or the retailer portal, which is provided upon activation. Around 70% of those customers will be instantly approved. For customers who are not automatically approved, we request additional information, either our online bank verification or copies of their paper documents, to manually process their applications.

How much can my customers be approved for through Crest Financial?

Customers may be approved from $200.00 – $5,000.00. Crest Financial leads the industry in approval amounts. Amount of approval is dependent upon factors including  income, banking history, length of employment, and verification of contact information.

How soon will my account be funded?

Crest Financial will fund your account within 24-48 hours.We fund Monday-Friday, and process leases on Saturday and Sunday to be funded on Monday.

How long is my customer’s approval good for?

Any approval is valid for the term of sixty (60) days. If an invoice is provided, the approval will be given an extended thirty (30) days. This is subject to change with electronic updates to retailers.

How can I get the Crest customer application on my website?

Crest Financial offers web-integration. For more information please contact: More consumers every year are shopping and buying online. Having your website integrated with Crest will give your store 24/7 application capabilities.


In your dealer portal, click the “Marketing/Advertising” tab and click the gray button labeled, “Your Dealer Web Links”. Those links will open to your own customer application page. Send those links to your web developer and have them attach it to a button or Crest image found in your “Marketing/Advertising”

What sets Crest Financial apart from other companies?

Crest Financial strives to always provide more!

  • Brand Loyalty. We don’t have retail locations which means that we send your customers directly back to you. We are a ‘customer-first’ business and strive to protect your brand.
  • Cutting-Edge Technology. We offer instant online approvals for up to 70% of applicants, eSignature options, streamlined applications that take just minutes to complete, an app for an in-store application process, and many more features that make sales go more smoothly and efficiently.
  • Highest Approvals in the Industry. We offer approvals up to $5000 with next day funding. That’s double what our competitors offer.
  • Customer Support. At Crest Financial we provide the friendliest and most knowledgeable customer support. We offer live chat, a customer portal, and many other channels of communication so that we can help you at your convenience.
  • Free Customized POP. We provide current and customized POP material to your store free of cost! This means more loyal customers and more sales for your store.


Our ‘Crest Cares Campaign’ began in April 2013 following the tragic events of Hurricane Sandy the previous October. Through the work we do everyday,
we realized there was an opportunity to help those in need across the nation. We are proud to raise funds, support struggling communities,
and lessen the burden of those who need a helping hand.

The causes and charities we support are near and dear to our hearts, but we also welcome our retailers to share their local stories and create awareness to other groups we can assist. “Crest Financial cares about the communities across the country, and looks forward to partnering with meaningful charities” says Matt Dishman, Crest Financial VP of Sales and Marketing. Together we can bring hope, opportunity, and support to our neighbors both near and far.

Hurricane Sandy

In October 2012, Hurricane Sandy landed on the East Coast of the United States leaving massive destruction in the wake of its path. This category three storm devastated the lives of thousands and prompted the nation to rally behind those affected. The call for support was a tall order, but one in which people and organizations were ready to take on. To do our part in helping those suffering with the culminating effects of the storm, Crest Financial donated funds to the American Red Cross. In order to further the scope of our assistance, we enlisted the help of our retailers. During November and December, Crest Financial made a donation for each funded lease submitted to our company. Our retailers were enthusiastic, dedicated, and paramount to the contributions we were able to make to our East Coast neighbors.

Oklahoma Tornado Relief

On May 20, 2013, the residents of Moore, Oklahoma faced the impact and terror of a devastating tornado. The 200 mph tornado resulted in many losing their homes, schools, and means of supporting their families. In order to aide the American Red Cross in their efforts, Crest Financial once again worked with our retailers to gather funds for the relief efforts. During June and July, a donation was made for each funded lease our retailers submitted. In discussing ‘Crest Cares,’ Clint Cowley, Crest Financial’s COO, said, “we look forward to doing all we can to help those suffering, and send them our prayers and thoughts in this difficult time.” Thanks to the support of our retailers, Crest Financial was able to provide assistance to the enduring citizens of Moore, Oklahoma.

Getting Involved

We want to hear your stories and help the communities and causes in your area. Please submit a brief explanation of your cause/charity, and why it is important to you to Crest Financial is determined to help in any way we are able, and we need your help in doing our part. Share your stories today.