Take Control Of Your Finance
Bad Credit Car Finance
This won't impact your credit score
Finance Approved With Bad Credit*
Get Pre-Approved for Your Car Loan Now.
Discover Your Car Financing Options Today!
*Subject To Standard Lending Requirements And Responsible Lending
How It Works
Apply Online
Quick 2-minute form to get started.
Get Pre-Approved
We match you to the best lender. No impact to credit.
Choose Your Car
Pick from nationwide dealers or tell us what you want.
Drive Away
Sign online. We sort the rest.
How Does Our Car Finance Work?
At CarPow, we know credit isn’t one-size-fits-all. We look beyond the numbers to give real people real chances. Here's what matters most:
✅ Affordability Comes First
Can you comfortably afford the repayments? That’s more important than your past. We check what matters now, not years ago.
🏦 Bank Account Behaviour Counts
Stable banking activity and no bounced payments can boost your chances — even if your credit history isn’t perfect.
📉 Not All Bad Credit Is the Same
Missed a power bill? That’s not the same as defaulting on a car loan. We treat every situation uniquely and fairly.
🤝 No Judgment, Just Help
Our team works with you, not against you. We help thousands every day get into a car with straight-up support and zero judgment.
Thousands of Kiwis Trust CarPow
We're NZ’s friendliest car finance team. Check our verified reviews, see how we’ve helped people just like you — and start your journey today.
Check My Eligibility NowSee Where You Stand — and What Comes Next
Our portal doesn’t just show you your credit status — it shows you the plan. CarPow gives you instant visibility into what’s holding you back and how to get approved faster.
From affordability to account conduct, everything’s explained in real time. It’s simple, powerful, and designed to help you win — even when banks have said no before.
We Consider Everyone
Do You Have Bad Credit?
Why Choose CarPow for Bad Credit Car Finance?
We’re not your average lender. We're real people helping real Kiwis get back behind the wheel — with smart solutions, human support, and zero judgment.
💬 People Before Paperwork
We're not robots or scorecards. We listen, understand, and look at your real situation before we look at your credit history.
🙋 Dedicated Account Manager
From start to finish, you’ll have one friendly expert guiding your journey. No call centres, no confusion — just straight-up support.
🔍 Loans Matched to You
We work with a panel of trusted lenders across NZ to find the best fit for your budget — not just what’s easiest for us.
⚡ Fast, Clear & Straightforward
No jargon. No hidden stuff. Just a quick, clear quote and a fast track to getting approved and on the road.
Let’s Get You Moving
Whether you’ve had credit issues or you’re just starting out — we’re here to make car finance feel easy, honest and human.
Start My Application$0 Deposit Finance
Get approved for a car loan without having to put down any money upfront with zero deposit finance.
Fully Digital Process
The entire CarPow Loan process and vehicle purchase can be completed entirely from home or work.
Dedicated Consultants
CarPow might operate online but we certainly have real people behind the scenes to guide and support you every step of the process.
Great Outcomes
Actions speak louder than words and we think our unfiltered customer reviews most certainly show a great summary of what we are all about.
Fast Response Times
Time is precious and we certainly understand how for many customers a quick decision takes amount a great deal of uncertainty.
Constant Contact
Rest assured that you will be able to stay in close contact using a variety of communication methods to suit your needs including our direct customer portal.
Why CarPow
Bad Credit Car Finance
Why Waste Your Time Anywhere Else?
Why Choose CarPow
No Obligation
Apply online with CarPow with no obligation to take out a loan.
No Judgement
All credit histories and circumstances considered.
Anytime, Anywhere
Apply and arrange your finance from the comfort of home.
Apply Online
We have tried to keep things as simple as possible and remove unnecessary steps to the process meaning you can complete our application in little than 1 minute. No credit check is done until we have reviewed your affordability and decided the loan looks good for pre-approval. We can then give you a fast decision for your car loan.
Select Vehicle
Once you have idea on how much you are able to lend, you can narrow your search to include only vehicles within your budget. Our vehicle experts will work with you to provide options to consider from reputable dealerships we work with and our own vehicles in stock. You are also able to search our listings in advance too!
Sign And Drive
When you have decided on your dream new car and have signed our digital documents from any mobile device all you need to do is sit back and await our delivery date to your door or work. If you want to collect in person that can be arranged also once your new car has been prepared to the high standard we expect.
Our team is only as good as those we work alongside
We only work with trusted partners
We Have Great Answers
Ask Us Anything
In today's digital era, distinguishing a Car finance provider or arranger capable of delivering on their advertised services can be quite challenging, particularly in the context of bad credit car finance. The online landscape often features flashy advertisements boasting claims like *Guaranteed approval for bad credit loans *No issues with work visas and beneficiaries *We assist everyone! Undoubtedly, you've come across numerous such assertions yourself, and it's our belief that this saturation merely muddles the credibility of genuine companies.
CarPow stands apart as a genuine and dependable entity, firmly substantiating our assertion of providing Car Finance for bad credit. We wouldn't invest our time and effort if we weren't entirely capable of doing so. It's our commitment to authenticity and integrity that underscores our distinction from the noise, reinforcing our ability to truly assist those seeking bad credit car financing.
We have found from our own customers that they can apply at places who simply don’t have the skills or capabilities to do what they say and it creates a kind of application apathy. Many of our real life customers had unfortunate experiences before they applied to us. It could be as simple as applying with their bank for a personal loan for a car and being told it was declined or as embarrassing as visiting a car dealership.
Through interactions with our valued clientele, we've uncovered a recurring theme: applicants often approach establishments that lack the necessary expertise or resources to fulfill their promises, leading to a sense of disheartening application indifference. Our real-life customers have shared tales of previous encounters that were far from ideal before they discovered us. These narratives range from straightforward instances like being turned down for a personal loan by their bank for a car purchase to more uncomfortable episodes, including visits to traditional car dealerships that left them feeling less than esteemed.
While the initial step begins with the online CarPow application form, it's important to note that this isn't the entirety of the process, as you'll soon discover. Regrettably, we encounter a significant number of applicants each month who initiate the process but don't proceed beyond this stage. It's a common misconception that merely providing one's name and address would suffice to determine the outcome, yet the reality entails a bit more engagement and involvement.
The term responsible lending can apply to any type of financial service, but most certainly bad credit car finance. The decision making process involved in approval or decline and its certainly relevant when it comes to vehicle loans.
A finance company has certain obligations in regards to allowing a customer to accrue a liability in the form of loan debt. The main focus of this is to ensure they act responsibly in granting car loan approval and carry out a certain level of investigation before doing this. This is why we require 3 full months of bank statements for all parties to a car loan as it literally shows everything being purchased or paid for - for 90 days. A lender will analyse to work out how much is being spent against how much is coming in. If the lender cannot clearly demonstrate that the new car loan wont put the customer into financial hardship – the loan cant be approved.
This usually means that before the new repayments are taken into account a person should have approx. $1000 left over.
We have found from our own customers that they can apply at places who simply don’t have the skills or capabilities to do what they say and it creates a kind of application apathy. Many of our real life customers had unfortunate experiences before they applied to us. It could be as simple as applying with their bank for a personal loan for a car and being told it was declined or as embarrassing as visiting a car dealership.
Certainly! We fully grasp the hurdles posed by bad credit in the realm of securing financing. However, rest assured that we have successfully assisted numerous customers with credit challenges in obtaining car finance. Our commitment to providing this service is rooted in our unwavering belief that we can genuinely make a positive difference. Our dedicated team is resolute in tailoring effective solutions that align with our customers' needs. Regardless of your credit history, our team of experts is poised to collaborate closely with you to identify and secure the optimal loan options available. Your financial well-being is our priority, and we are dedicated to helping you navigate your car loan journey with confidence.
