At CarPow, we pride ourselves on offering a fast and efficient car loan approval process. In many cases, we take customers from submitting their application to securing their new vehicle on the very same day.

Once you fully complete our online application and provide the necessary supporting documents, you can typically expect a decision within the same working day. This process is subject to affordability checks and other lender criteria to ensure responsible lending practices.

To speed up the process, we recommend having key documents ready, such as proof of income, ID, and any required vehicle details. Our streamlined process is designed to make getting approved for car finance as quick and stress-free as possible, so you can drive away in your new or used car sooner.

Start your application today and experience why CarPow is a trusted choice for car finance in New Zealand!

Yes, at CarPow, we specialise in helping customers with no credit history secure car financing. Whether you’re a first-time buyer or new to building your credit profile, we have lending options tailored to meet your needs.

Our experienced team works with a wide range of lenders who offer flexible terms for individuals without established credit, making it easier for you to get behind the wheel of your first car. While approval is subject to affordability checks and other requirements, we aim to simplify the process and guide you every step of the way.

Start your application today and discover how easy it is to secure a car loan with CarPow, even if you have no credit history!

Interest rates for car loans can vary based on several factors, including your credit score, the loan term, the type and age of the vehicle, and the lender’s criteria. At CarPow, we understand that everyone’s financial situation is different, which is why we work with a variety of trusted lenders to secure competitive rates tailored to your needs.

If you have a strong credit history, you may qualify for lower interest rates, while first-time buyers or those with less-than-perfect credit may be offered slightly higher rates. Regardless of your circumstances, our goal is to help you find the best possible rate and loan terms.

For a clearer picture of what interest rate you may qualify for, complete our quick online application. Our team will assess your details and provide options that suit your unique situation, ensuring transparency and affordability every step of the way.

Yes, you can make extra payments on your car loan, which can help you pay off your loan faster and save money on interest. At CarPow, most of our lending options allow you to make additional payments without any early repayment penalties.

Making extra payments reduces the principal balance of your loan, meaning you’ll pay less in total interest over the life of the loan. Whether you want to make occasional lump-sum payments or increase your regular payment amount, we encourage you to take advantage of this flexibility to achieve financial freedom sooner.

For specific terms regarding your loan, check your agreement or contact our team. We’re here to help you manage your car loan in the way that works best for you!

Yes, CarPow are experts in car finance, including helping customers with bad credit. If you’ve been rejected by a bank or dealership, don’t worry—we specialize in working with common-sense finance providers who consider your full financial picture, not just your credit score.

Our team understands that life happens, and past financial challenges shouldn’t always define your ability to secure a car loan. That’s why we work hard to match you with lenders who offer bad credit car loans, giving you the chance to get back on the road while rebuilding your credit profile.

You can expect a fast, same-day decision, even if your credit history is less than perfect, subject to affordability checks and responsible lending criteria. Let CarPow make the process simple and stress-free so you can focus on finding the right car for your needs.

Start your application today and see how we can help!

Yes, applying online is the easiest and fastest way to get started with CarPow. We understand your time is valuable, which is why our technology-driven systems are designed to save you time and effort.

With our user-friendly online platform, you can complete your application within minutes—right from your phone, tablet, or computer. Our process includes seamless CarPow ID verification and secure bank statement connectivity, ensuring a smooth and efficient experience.

Skip the hassle of paperwork and waiting in line. Apply online today and take the first step toward securing your car loan quickly and conveniently!

Yes you sure can. Bad Credit Car Loans are one of the specialist Motor Finance areas and you have come to the right people for all types of poor credit history lending, including previous bankruptcy and no asset procedures.

So, yes, we offer car loans for customers with all types of credit, including bad credit. Our team of experts will work with you to find the best loan options available.

Subject to usual lending criteria.

We work alongside providers who adjust the repayment rate depending on the risk the customer is perceived to be based on previous agreements. No customer will be approved for a loan that they cannot afford and our team will work every step of the way to ensure a happy outcome.

Let our expert Car Buyers assist you to choose your dream vehicle from our huge available stock list and also our Authorised dealer network.

Yes, we offer trade-in options for customers looking to upgrade their vehicle. Our team will provide an appraisal of your current vehicle and work with you to apply the trade-in value towards your new purchase.

CarPow use electronic signature loan documents to ensure we are able to carry out a completed loan payout within 24 hours. We deal with the seller or dealership direct to keep everyone happy.

At CarPow, we're here for you on your terms. Our flexible car finance solutions allow you to choose the car you want and the payment plan that fits your lifestyle. We work closely with you every step of the way to make sure the process is simple, transparent, and tailored just for you.

Your car, your way — that’s the CarPow promise.