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) 28CREST

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: 30 day bank history, most recent pay stub, voided check or BVF, copy of a state issued ID.

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

MAILING ADDRESS

Crest Financial
61 West 13490 South
Draper UT 84020

CUSTOMER SUPPORT

Live call and live chat available
Weekdays 7am – 8pm MST
Saturday 9am – 5pm MST
Closed Sunday
C | 855-55CREST (855-552-7378)
F | 855-90CREST (855-902-7378)

PLEASE NOTE

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

QUALIFYING MERCHANDISE

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 qualify?

If the customer has had an active bank account for the last 90 days and is currently employed, our automated system can approve them in seconds. If the system needs more information, an underwriter will be in contact with them with the additional information needed. Examples of additional items we could request include a pay stub, driver’s license, check from an active checking account, an extended bank history, or a proof of income.

 

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, customers can easily get pre-approved by clicking here!

What is the duration of the lease?

The most common lease terms are for 12 months. Exceptions may apply, so please check the Lease Agreement for actual term details. 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.

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 discounts off of the balance at any time during the agreement that a customer wishes to pay off the account in full.

Every state has different laws regarding this issues. Call a Crest Financial agent to set up a payment schedule that works best for you. If the customer chooses  to not take advantage of this buyout option, they  can make payments over the full time of the lease which will result in paying more lease fees.

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

When will my first payment be due?

The 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. Contact Crest Financial within two (2) days after signing your Lease Agreement document to make sure that payment dates are scheduled when it is convenient for you. Customers can manage their account at their own convenience through the Customer Portal. 

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 a customer signs the Lease Agreement document they are in a legally binding contract and are responsible for the merchandise as well as for paying Crest Financial. Contact your retailer for further details.

How can I make payments to Crest Financial?

We set all of our customers on ACH* payments. If a customer needs to pay in another form, we also accept payments from a credit card and debit card.

*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. Please make sure you provide at least three days notice when changing a payment. 

Can I make my payments at the store?

No, once the customer has signed the Lease agreement they will make payments directly to Crest Financial. Payments are automatically deducted from their bank account, credit card or debit card according to their payment schedule.

How can making on-time payments benefit my credit?

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). If a customer fails to make on-time payments, Equifax may also be notified which can have a negative effect on the customer’s credit report. 

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

Customer’s can manage their account at their convenience by using the Customer Portal. Access the Customer Portal here. If customer has further questions they 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. Customers can also use our website’s live chat or email support@crestfinancial.com.

What is my current balance?

Customers can see their current balance by using our automated phone system or by checking their online portal. Customers can manage their account at their convenience by using the Customer Portal. Customers 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, customers can make changes at their convenience. If further assistance is needed, 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 biweekly payments to monthly) may require a fee. In order to change payment schedule, please call 855-552-7378 to speak to one of our Customer Support Agents.  Access your Customer Portal here for more information about your account. 

How can I update my banking information?

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

Can I move my scheduled payment dates?

Yes, we can move customer payment(s) up to fifteen (15) days, but we need at least two (2) business days’ notice. Crest Financial gives 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 the customer’s bank or denied by their 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?

The customer’s 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 the Dealer Portal, click ‘create online customer account’, and create login.

What if I am unable to make my payments?

The customer will need to contact their account manager by calling 888-245-6111. We can be flexible to help the customer resolve any short-term challenges.

The customer will need to initiate contact to set up payment options. If all communication falls off, Crest Financial intends to fully carry through our end of the agreement.

The customer has signed a legally-binding agreement which we intend to fully execute. Depending on state laws and Lease Agreements there are a variety of remedies available to Crest Financial should a customer not hold their end of the legal agreement.

What happens if I don't take advantage of my 90 day buyout option?

If a customer does not buyout their lease in 90 days, lease fees will increase. The Lease Agreement specifies the full amount through the length of the customer’s lease. Call to get set up on a payment schedule.