Crest Financial | Customers
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Customers

TESTIMONIALS

APPLICATION PROCESS

REQUIREMENTS FOR CREST FINANCIAL FINANCING PREAPPROVAL

1) Checking or Savings Account      2) $1000 verifiable income per month      3) SSN or ITIN

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Fill out a short online application

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Receive instant approval

– If auto-approved, you will be notified
instantly of your approval amount

– If not auto-approved, additional
documents may be required

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Choose from any of our
authorized retailers nationwide

Need help finding an authorized retailer?
Email apps@CrestFinancial.com or
call: (855)-28-CREST

SEE MORE ABOUT THE PROCESS

APPLYING ONLINE

1) Go to portal.crestfinancial.com and log in using your username and password.

2) Click “Add Applicant”

3) Complete application form and click “Submit”

  • If auto-approved, you will be notified of your approval
  • If NOT auto-approved, complete the prompted online bank verification

4) If you do not have online banking, or would prefer not to complete the online bank verification, please submit the following documents:

Need assistance? Click the “Help” tab on the top right corner after logging in, click the online chat support located on the bottom of the page to communicate with a live representative, or call our Underwriting Support at 855-282-7378.

 

WRITTEN APPLICATION

Electronically submitted applications receive instant responses.

Would you like to try our portal for the first time? Click here to get started.

1) Print an application in English or Spanish.

2) Complete the simple application in just minutes and sign the bottom.

3) Submit the written  by email to apps@CrestFinancial.com or by fax to (855) 90CREST.

REQUIREMENTS FOR CREST FINANCIAL FINANCING

1) A Traditional Checking or Savings Bank Account

2) Income of at least $1000 per month

Self employed, SSI, retirement, pensions, and Long Term Disability are all accepted!

3) Government ID

Crest will evaluate your application based on average balances, deposits, and other information provided during ourVeriFast Automated Approvals process based on information provided to Crest by our alternative data providers.

CONTACT US

CUSTOMER SUPPORT

H | Mon – Fri: 7am-8pm MST
Sat: 9am-5pm MST
Sun: Closed
C | 855-552-7378
F | 855-902-7378

COLLECTIONS

H | Mon – Fri: 7am-8pm MST
Sat: 9am-5pm MST
Sun: Closed
C | 888-245-6111

MAILING ADDRESS

Crest Financial
15 West Scenic Pointe Drive.
Suite 350
Salt Lake City, UT 84020

We are open all holidays excluding Thanksgiving, Easter, and Christmas.

CLICK HERE TO MAKE A PAYMENT >

QUALIFYING MERCHANDISE

  • Furniture & Mattresses

    Furniture & Mattresses

    view
  • Appliances & Electronics

    Appliances & Electronics

    view
  • Tires & Rims

    Tires & Rims

    view
  • Jewelry

    Jewelry

    view
SEE MORE QUALIFYING MERCHANDISE

  • Air purifiers
  • Appliances
  • Arcade systems
  • Area rugs
  • Baby cribs
  • BBQ grills
  • Bedding
  • Bicycles
  • Car audio
  • Car video
  • Cell phones
  • Chest freezers

  • Computer packages
  • Cross-trainers
  • DVR (not monthly service)
  • Electronics
  • E-readers
  • Exercise equipment
  • Freestanding fireplaces
  • Furniture
  • Gaming systems
  • Gold equipment
  • Go-Pro cameras
  • Headphones
  • Sunglasses

  • Highchairs
  • Home alarms
  • Home decor
  • Home entertainment
  • Home surveillance
  • iPad/MP3
  • Jewelry
  • Lawn equipment
  • Mattress
  • Musical instruments
  • Navigation systems
  • Portable heaters
  • Power tools

  • Printers
  • Projectors
  • Remote start
  • Scanners
  • Skateboards/long boards
  • Skis/snowboards
  • Strollers/car seats
  • Tablets
  • Tires & rims
  • TVs
  • Vacuum cleaners
  • Washer/dryers
  • Window AC units

Are you looking to purchase something not included on this list? Contact retailers@CrestFinancial.com or call 855-282-7378 EXT 3 to ask about specific merchandise.

CUSTOMER FAQ’s

How do I get in contact with Crest about my account?

You can manage your account at your own convenience by using the Customer Portal. You can access the customer portal here. If you have further questions, you can speak with a representative by calling 855.552.7378 between the hours of 7am and 8pm MT Monday through Friday or Saturday between 9am and 5pm MT. You can also use our web site’s live chat or email support@crestfinancial.com.

What is my current balance?

You can find out your current balance by using our automated phone system or by checking your online portal. You can manage your account at your convenience by using the Customer Portal.You can also call a representative during business hours at 855.552.7378.

Can I set up a payment?

Yes! To set up an extra payment or to move a payment date we suggest using the Customer Portal. When using the portal, you can make changes at your convenience. If you need further assistance, you can call a Customer Support Representative at 855.552.7378.

Can I change my payment schedule?

Yes, you can. However, changing your payment schedule (ex. changing from bi-weekly payments to monthly) may require a fee. Access your Customer Portal to change a payment.

How can I update my banking information?

You can update your information at your own convenience in your Customer Portal. If you have trouble with this, you can call a representative during business hours.

Can I move my scheduled payment dates?

Yes, we can move your payment(s) up to 15 days, but we need at least two business days’ notice. Crest Financial gives you a day grace period dependent upon state statutes. After this time, a change payment date fee may be applied, as well as other fees in accordance with local laws.

 

Is there a fee if my scheduled payment doesn’t process?

​There is a non-sufficient fee for any payments returned to us by your bank or denied by your card provider. This includes returned payments due to insufficient funds, incorrect banking information, and stop payments placed on the account.

Where can I find my Crest Financial account number?

Your account number is listed under “Agrmt #” on the front page of your lease agreement and can also be found at the top of your Customer Portal (ex. 123456-1).

How can I set up my online portal account?

Go to www.crestfinancial.com, click customer support, and create login.

What is the interest rate?

This is not a loan, and as such we do not charge interest. All lease fees and charges are listed within the lease agreement. We recommend reading over the lease agreement carefully before signing.

What if I get it home and there is an issue with my merchandise?

Once you sign the lease agreement document you are responsible for the merchandise as well as for paying Crest Financial. Contact your retailer for further details.

What is an ACH transaction?

ACH (Automated Clearing House) is the system used by many businesses and banks to process electronic payments to and from bank accounts. It is the same system used for direct deposit paychecks. We use this system to process payments from your bank account on scheduled payment dates.

Can I make my payments at the store?

No, once you have signed the lease agreement you will make payments directly to Crest Financial. Payments are automatically deducted from your bank account, credit card or debit card according to your payment schedule.

Does Crest Financial report to a Credit Bureau?

Yes. Customers can build good credit with Crest Financial!  Customers who make payments on-time can increase their credit score as we report payments to the credit bureau Equifax (except in CA and AZ).

When will my first payment be due?

Your first payment will be due no sooner than ten (10) and no later than forty-five (45) calendar days from the date on the signed Lease Agreement document. You should contact Crest Financial two days after signing your Lease Agreement document to make sure that payment dates are scheduled when it is convenient for you. You can manage your account at your own convenience through the Customer Portal. 

Can I buy out of the agreement early?

Yes! There are no penalties for “buying out” of the agreement early. This can be done in a few ways.

Every agreement with Crest Financial has an “Early Buyout Option” within the first ninety (90) calendar days of the agreement in which the customer can pay off the agreement for the financed amount of the agreement with minimal or no financing fees depending on the agreement. The ninety days are calculated from the signing of the Lease Agreement document.

After the initial ninety-day period, the full lease agreement charges are applied to the account and the customer is responsible for the full term of the contract. However, Crest Financial does offer a varying discount off of the balance at any time during the agreement that a customer wishes to pay off the account in full.

If you have passed the 90 day point, Crest Financial will attempt to work with you in accordance with state statutes.

What is the duration of the lease?

The maximum term of the lease is generally 12 months. However, the customer is always welcome to end the agreement early by paying the total balance of the lease early or by taking advantage of one of the early buyout options offered by Crest Financial.

How do I apply?

Most of the retailers we work with will have Crest Financial’s quick approval software available to use in the store and on their website. However, you can easily get pre-approved by clicking here!

How do I qualify?

If you have an active bank account in the last 90 days and are currently employed, our automated system can approve you in seconds. If the system needs more information, an underwriter will be in contact with you. Possible items we would request is a copy of a pay stub, driver’s license, check from an active checking account, an extended bank history, or a proof of income.