Explore vehicle types, popular brands, regional finance info, and practical guides that help you get approved and drive away with confidence.
Helpful pages
These take you to the live CarPow pages that explain approval, bank statements, and bad credit options.
The steps from application to decision, including learner licences.
How we securely check affordability with your bank data.
Index of CarPow car finance answers — used, no deposit, bad credit, rates, how-to.
Dealer or private; what lenders check.
When $0 deposit may work — and when it does not.
How rates are set; 9.5%–29.95% p.a. advertised band.
Step-by-step from eligibility to settle.
Compare lenders online, then choose a vehicle from our stock or a trusted dealer.
How Illion bank-statement data is used to review income, expenses and overdrafts.
CarPow Cars and specialist lenders for defaults, judgements and discharged bankruptcy.
What GAP insurance covers on a NZ car loan, the factors that affect whether a shortfall could arise, and how it compares with agreed value cover.
See roughly when your NZ car loan could be more than your car is worth. Change the numbers and the depreciation rate. Illustrative only, not a quote.
How breakdown insurance compares with a manufacturer's warranty and your Consumer Guarantees Act rights, what's often excluded, and what to ask.
GAP, breakdown insurance, loan protection and warranties: what each add-on does, your rights to cancel, how refunds work, and questions to ask first.
What we consider when credit history is not straightforward.
What to compare beyond the advertised interest rate.
Yes — lenders we work with accept learner licences, with risk priced into the rate.