Why CarPow?

Finance for people with bad credit

Can I get car finance with bad credit? This is something we get asked every single day. First up, don’t panic guys! At CarPow, we work with a considerable size of lenders on our panel and so are able to take a reasoned approach to car finance to find the right fit bad credit car loans lender to your circumstances.

We also understand that there are several reasons that you might have ended up with a bad credit profile. Other car finance companies or dealerships might have said that they could help you, we’ll give you our work that we will try every possible way to find a car finance deal for you.

We know that sometimes you just simply have not had enough time to build up a minimal credit history and so have not even had chance to prove yourself to lenders. Or that you are self employed and have fewer ways to prove your income if you receive income randomly.

The CarPow approach focus’s on you as an individual person and not just a number generated by a credit score. Even if your poor credit history has been caused by finance defaults, bankruptcy, late power bills or redundancy, we remove all judgement from your loan application and look at all possible avenues to find a car finance option that works for your situation.

When you apply for finance with bad credit through CarPow, you will be assigned your own Vehicle Credit Specialist. All of our experts are fully experienced in assessing bad credit car finance applications and will hold your hand throughout the whole process to ensure you have a stress free experience. Our unique customer portal also gives you access to the current status of your loan including any required tasks and ability to respond at any time of the day directly to your specialist.

At CarPow, our team have a reputation for providing a high level of professionalism and desire to help their customers – we have assisted lots of bad credit car loan customers to obtain car finance approval for their dream vehicles. Why not check out our customer reviews?

Friendly and Approachable credit

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. 


How CarPow works?

With our foundations in the UK car market in 2007 and in NZ since 2012, CarPow are the latest incarnation with our whole aim to make the process of buying a car as simple as possible. Our advanced technology is designed to assist you every step of the way and make the whole process as stress free as possible.

Frequently Asked Questions

Looking for a car loan can be a daunting task, but we're here to help. Below are some of the most frequently asked questions we receive from our customers. Our team of experts is always available to provide you with the information you need to make informed decisions about your financing options.

Of course! We have locations in many areas in New Zealand and Auckland has one of our main storage facilities with the latest imported arrivals. Some customers collect their car in person and others ask for delivery to their door or even workplace.

We are 99% online these day's with very few customers stepping foot inside our Finance engine room. If you have access to a mobile phone thats all you will need for literally everything for your Auckland Car Loan.

Yes, we like to think we are Auckland Car Finance experts and this certainly means we see plenty of very difficult cases. The finance companies we use are not just for perfect ratings and CarPow is a finance broker who also sells cars not a car dealer that does finance.

While we can give you estimates the repayment amounts will depend on many things including credit rating, price of vehicle and how long you repay your loan over.

Interest rates vary depending on several factors, such as credit score, loan term, and vehicle type. Our team will work with you to find the best interest rate available for your unique situation.

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.