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Crest Financial Services, LLC provides consumer financing through partner retailers across the country — so the furniture, tires, appliances and electronics people need don't have to wait for a perfect credit score.
Who we are
Crest Financial Services, LLC is a consumer and retail financing company headquartered in Draper, Utah, in the heart of the Salt Lake Valley. Since 2005, we have helped shoppers take home the things their households need — through simple financing offered right at our partner retailers' stores.
Life doesn't wait for perfect credit. A family needs a mattress now, a commuter needs tires now, a kitchen needs a working refrigerator now. Our programs are designed around that reality: fast decisions, clear terms, and approval criteria that look beyond a credit score alone.
Recognized on the Inc. 5000 list of America's fastest-growing private companies, Crest grew by doing one thing well: making point-of-sale financing simple for shoppers and profitable for retailers.
"A credit score is a number. A household's needs are real. We finance for the second one."
How it works
No bank visits, no waiting weeks for an answer. The whole process happens where you shop — and most decisions arrive in minutes.
Pick out what you need at any retailer offering Crest financing — furniture, tires, appliances, electronics and more.
A short application right at the store. We look at more than just your credit score — employment and income count too.
Most applicants receive a decision within minutes, with a clear approval amount and payment terms spelled out up front.
Complete your purchase and take your items home the same day. Manageable payments follow on the schedule you agreed to.
What we finance
Sofas, beds, dining sets and everything that turns a house into a home — financed so families don't sit on the floor waiting for payday.
When the car that gets you to work needs tires, waiting isn't an option. Same-day financing keeps you safely on the road.
Refrigerators, washers, dryers and ranges — the machines a household runs on, replaced the day they break instead of months later.
TVs, computers and home electronics through participating retailers — with payments that fit a real monthly budget.
Good sleep shouldn't be a luxury purchase. Mattress financing that gets the whole family resting better tonight.
From jewelry to other retail purchases at partner stores — if a participating retailer sells it, Crest can likely finance it.
For retailers
Every day, customers walk out of stores empty-handed — not because they don't want the product, but because the financing options on the counter don't fit them. Crest changes that math.
Our point-of-sale financing program approves customers that primary lenders decline, adding a second look that converts lost sales into completed transactions.
Higher approval rates — we look beyond credit scores, approving customers your primary financing turns away
Fast in-store decisions — minutes, not days, so the sale closes while the customer is still at the counter
You get paid up front — Crest funds the purchase and manages the customer relationship from there
Simple integration — straightforward onboarding and training for your sales floor team
Reviews
Our washing machine died with three kids at home — a genuine emergency. The appliance store offered Crest financing, I applied at the counter, and we drove home with a new washer that afternoon. The payments were exactly what they said they'd be. No surprises.
Adding Crest as a secondary financing option changed our close rate overnight. Customers our primary lender declined were walking out the door — now roughly half of them complete the purchase. We get funded up front and the process at the register takes minutes.
My credit took a hit after a rough couple of years, and I assumed financing tires was off the table. Crest looked at my job and income, not just the score, and approved me on the spot. Paid it off early with no penalty. They treated me like a person, not a number.
FAQ
Get in touch
Questions about your account, a purchase you're planning, or partnering as a retailer? Reach out — our Draper team responds promptly to every enquiry.