We are not financial advisors. Any information provided on this website or via emails is not intended as investment or financial advice. It is merely information based upon our own experiences. The information we present is of a general nature and should merely be used as a place to start your own research and you should conduct your own due diligence.

In accordance and support of the Credit Contracts & Consumer Finance Act 2003(NZ) we will require confirmation of your income and expenditure as listed on the application form.

You should seek professional investment or financial advice before making any decisions.


You authorise Embeth Limited T/A Carpow to send this application to any third party (the Finance Company) and agree that either CarPow or the Finance Company may do the following:

  1. You understand that CarPow/the Finance Company is asking for personal information about you to use Centrix credit report service to credit check you and that Centrix will give us personal information about you.
  2. You understand that we will give your personal information to Centrix and they will hold that information and use it to provide their credit reporting service.
  3. You understand that when other Centrix customers use the credit reporting service, Centrix may give that information to them.
  4. You understand that we may use Centrix’s credit reporting services in the future for purposes related to the provision of credit to me. This may include use of Centrix’s monitoring services to include updates if information about you changes.
  5. You understand that we may also use Centrix’s reporting to confirm other information related to your application such as if you are the registered owner of any vehicle included in the application process that will be used by the Finance Company for security or any other assesment purpose.
  6. You understand that if you default in your payment obligations to us, information about that default may be given to Centrix and they may give that information about your default to other Centrix customers.

Pursuant to the Privacy Act 2020, I authorise Embeth Limited T/A CarPow to or the Finance Company to contact Centrix Limited, Credit Providers, Finance Companies, my Employer, Landlord, Accountant, Bank, Solicitor or any other source including Government agencies, to obtain, check and exchange (both now and in subsequent applications) the protection and administration of any loan arising out of this application (both now and in the future) and to assist in the enforcement of any agreement between me and CarPow or the Finance Company. I understand I have the right to know who is collecting and holding information and the right to have access to it and correct it if it is wrong.

The contact details for CarPow and Centrix Limited are as follows:

Embeth Ltd, Floor 13, 48 Ward Street, Hamilton. 3204


Centrix, PO Box 62512, Greenlane, Auckland 1546

Phone:  (NZ residents only)

Phone:  (overseas residents)


Website terms and conditions of use


The website www.carpow.co.nz (“the Site”) is a site operated by Embeth Limited (“We, CarPow”). We are registered in New Zealand under company number 7128913 and have our registered office at Tower Building, Centre Place, 48 Ward Street, Hamilton 3240 . We are a limited company. By accessing and using this website you agree to be bound by and to act in accordance with these Terms and Conditions and our Privacy Policy. If you do not wish to be bound by these terms you should not use the Site.


We do our best to ensure that the information on the Site is accurate and helpful at all times. However, the information is general in nature, and is intended as a guide only to the types of products and services offered by CarPow. Users are advised to consult with CarPow and to check any product or service information for specific information.


You must not under any circumstances seek to undermine the security of the Site or any information submitted to or available through it. In particular, but without limitation, you must not seek to access, alter or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of this Site or attempt to decipher, disassemble or modify any of the software, coding or information comprised in the Site. You are solely responsible for any information submitted by you to our site. You are responsible for ensuring that all information supplied by you is accurate, up-to-date and not misleading or likely to mislead or deceive.


This Site may include links to other websites which are not owned, operated, or controlled by CarPow (“Third Party Websites”). CarPow provides you with such links solely for your convenience. The inclusion of such links does not mean or imply that CarPow endorses the Third Party Websites, its availability or contents or any agreement or understanding you enter into with a third party through a Third Party Website. CarPow does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these Third Party Websites.


The copyright in the content and material contained on, in or available through this Site including without limitation all information, data, text, photographs, graphics or other materials and the selection and arrangement thereof, and all source code, software compilations and other material (“Material”) is owned by or licensed to CarPow, its group companies or affiliates. All rights are reserved. You do not have any right, interest or title in or to the Material unless otherwise expressly indicated.

The trade marks, service marks and logos (“Trade Marks”) contained on or in this Site are registered and/or owned by or licensed to CarPow, its group companies or affiliates. You may not reproduce part or all of the contents of the Site in any form unless it is fir personal and non commercial use. Except as specifically authorised above, you may not copy or otherwise incorporate into or store in any other website electronic retrieval system, publication or other work any of the Material in any form (whether hard copy, electronic or other). You may not frame or link to the Site or any part of it without our express permission.

Save as expressly stated or as necessary to view, print or download extracts of the Material for personal and non commercial use, none of the Trade Marks or Material may be copied, edited, varied, reproduced, published, displayed, distributed, stored, transmitted, commercially exploited or disseminated in any form whatsoever without the prior written consent of CarPow. You agree to indemnify and keep indemnified, us, our officers, directors, agents, licensors, successors and assigns against all liabilities, costs, losses, damage and expenses, including without limitation legal fees incurred by us should you breach any of the terms of this section (Intellectual Property).


1. Use of this Site, Third Party Websites, links to the Third Party Websites, and any information available via the Site is at your own risk. To the maximum extent permitted by law CarPow disclaims all liability whatsoever, whether arising in contract, tort (including negligence) or otherwise in relation to this Site, Third Party Websites, links to Third Party Websites, and information available via the Site.

2. We do our best to ensure that the Site operates properly at all times, but we make no warranties as to the availability or accessibility of the Site, and (save as otherwise set out in these Terms and Conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the Site.

3. CarPow will not be liable, in contract, tort (including, without limitation, negligence), under statute or otherwise, as a result of or in connection with this Site, any Third Party Websites, links to Third Party Websites, the information or any products or services offered on or through this Site or Third Party Website, whether by CarPow or on its behalf, for any:

1. economic loss (including, without limitation, loss of revenues, profits, contracts, business or anticipated savings); or

2. loss of goodwill or reputation; or

3. special or indirect or consequential loss.

4. If CarPow is liable to you directly or indirectly in relation to this Site, any Third Party Websites, links to Third Party Websites, information on the Site or any products or services offered on or through this Site or Third Party Website, that liability (howsoever arising) shall be limited to $100.

5. CarPow will not be liable for any loss, damage, expense, costs, delays or other liability whatsoever (including without limitation any financial losses such as loss of profit) which you may incur as a result of any event beyond our reasonable control (including without limitation any failure of transmission, communication, computer or other facilities or your inability to access the Site for any reason or any failure, error or delay in the sending or receiving of any notice or communication or instruction through the post or any electronic medium).

6. Nothing in these Terms and Conditions shall be construed as excluding or limiting the liability of CarPow or its group companies for death or personal injury caused by its negligence or for any other liability which cannot be excluded by New Zealand law.

7. Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.


If you provide information to CarPow on or through this Site, CarPow will use it in accordance with the terms of its Privacy Policy. That Privacy Policy forms part of these Terms and Conditions and by using this Site you acknowledge and agree that you accept the terms of that Privacy Policy.


These Terms and Conditions (as amended from time to time) constitute the entire agreement between you and CarPow concerning your use of this Site and supersede any previous arrangement, agreement, undertaking or proposal, written or oral between you and CarPow in relation to such matters. CarPow reserves the right to update these Terms and Conditions from time to time. If it does so, the updated version will be effective as soon as it is uploaded on to this Site and your continued use of the Site will constitute your acceptance of such updated Terms and Conditions. No other variation to these Terms and Conditions shall be effective unless in writing and signed by an authorised representative on behalf of CarPow. You should check the Terms and Conditions periodically to ensure that you are aware of and complying with the current version.

These Terms and Conditions shall be governed by and construed in accordance with New Zealand law and you agree to submit to the exclusive jurisdiction of the New Zealand Courts. If any provision(s) of these Terms and Conditions is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties and all other provisions shall remain in full force and effect. CarPow failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision unless acknowledged and agreed to by CarPow in writing. Unless otherwise expressly stated, nothing in the Terms and Conditions shall create any rights or any other benefits whether pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise in favour of any person other than you, CarPow and its group of companies.

Embeth Ltd (“we”, “us”) and potential lenders, insurers, service providers, vehicle suppliers and agents will use your personal details (including sensitive personal data) and information we obtain from other sources to deal with your enquiries, consider your application, including carrying out credit searches, for marketing and to ensure that the services and advertising we offer are tailored to your needs and interests. We, potential lenders, insurers, service providers and agents may contact you by mail, telephone, email or other electronic messaging service with offers of products or services that may be of interest to you. By providing us with your contact details, you agree to being contacted by the methods and for the purposes set out in, and in accordance with, our Privacy Policy. In assessing your car loan application, we will make enquiries about you including searching your record with the credit reference agencies. You consent to us disclosing details of your finance application and we may use a ‘credit scoring’ or other automated process in deciding whether to accept your application. Your information may also be sent to a 3rd party lender for further loan options who may also search your record with the credit reference agencies. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Further details explaining how the information held by fraud prevention agencies may be used can be obtained by contacting us on 0800 114 974


Credit Reference Agencies 
When you make an application with us we may use your details to carry out a search with credit reference agency CENTRIX for the purpose of assessing your credit score in connection with your application for finance. To remove the impact on your credit score CarPow carry out a Finance Quotation search and not a credit application.

Depending on the lending option we utililise the lenders will also often require the right to carry out their own checks also. We make no guarantees that those searches won’t make any change to your credit profile.


If you have a complaint or concern about the service provided to you by us, please contact our Complaints Resolution Manager. As part of the Internal Dispute Resolution policy they will investigate the matter and endeavour to address it as quickly as possible.

Complaints Provider

Financial Complaints Services Limited – Member Number 7632