Bad credit car loans guaranteed approval
Is it possible?
How Do Our Car Loans 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 NowCarPow Technology Makes Applying Simple
With our innovative technology, applying for a car loan has never been easier, regardless of your credit rating. Our advanced system not only streamlines the application process, but also includes the ability to directly connect to your bank statements to assess loan affordability. So why wait? Apply now and drive away in the car of your dreams.
Choose Your New Vehicle Quick And Easy
At CarPow, we make choosing your new vehicle quick and easy. Our dedicated consultants are available to assist you in finding your perfect vehicle, and with our easy-to-use customer portal, you can search and browse our extensive inventory at your convenience.
Yes, we can help customers with no credit history secure financing. We have programs specifically designed for first-time buyers.
Stock changes every day depending on what our customer’s purchase but we can typically provide each and every popular vehicle in NZ including buying into stock for you. We have storage yards in Auckland, Hamilton and Christchurch to service the whole country. Check out the Vehicles page on this website for more accurate listings.
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.
$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.