Bad Credit Car Finance
Take Control Of Your Finance. We're Helping Kiwis take control with bad credit car finance. Online, fast, and judgement-free.
- ✔ Bad Credit Finance
- ✔ Eligibility In Minutes
- ✔ No-obligation Pre-Check
Competitive rates from 10.95% p.a. T&Cs apply.
Got Bad Credit? No Problem.
Your past shouldn’t decide your future. At CarPow, we assess every application individually — including defaults, court judgements, and discharged bankruptcies. Fast, fair, and 100% online.
Apply NowCredit or Non-Credit Defaults
- Recent or historic defaults considered
- Flexible options for varied circumstances
Court Judgements
- Settled or ongoing repayments considered
- No need to wait until fully cleared
Bankruptcy
- Discharged applications welcomed
- Get back on the road with CarPow
*While we consider all applications and aim to provide the best possible outcome, approval is not guaranteed. Each application is assessed individually and subject to lending criteria.
💸 Discover Your Rate Instantly
Choose your credit score and see what you could be paying on a $15,000 car finance.
How Do Our Car Finance 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.
How It Works
Apply Online
Quick 2-minute form to get started.
Get Pre-Approved
We match you to the best lender. No impact to credit.
Choose Your Car
Pick from nationwide dealers or tell us what you want.
Drive Away
Sign online. We sort the rest.
Start Your Application Today
Only takes 2–5 minutes
Why our customers keep coming back 👋
Fast approvals, fair rates, friendly team — the CarPow way.
Our team is only as good as those we work alongside
We only work with trusted partners
See Where You Stand — and What Comes Next
Our portal doesn’t just show you your credit status — it shows you the plan. CarPow gives you instant visibility into what’s holding you back and how to get approved faster.
From affordability to account conduct, everything’s explained in real time. It’s simple, powerful, and designed to help you win — even when banks have said no before.
🚗 Fresh Picks Just In
Mazda CX-5 2014
Reliable and spacious SUV
Mercedes A Class 2014
Luxury hatchback with style
Mitsubishi Outlander 2013
Eco-friendly plug-in hybrid SUV
Subaru Levorg 2017
Turbocharged AWD wagon
Mercedes-Benz A Class 2013
Refined European hatchback
Subaru IMPREZA XV 2015
Compact AWD crossover
BMW X1 2016
Premium compact SUV
Mazda CX-5 2012
Practical mid-size SUV
Subaru IMPREZA SPORTS 2017
Sporty hatch with AWD grip
Ford Fiesta 2015
Fuel-efficient city hatch
Subaru XV 2016
All-wheel drive crossover
Mazda CX-5 2013
Versatile family-friendly SUV
Subaru LEVORG 2014
Turbo wagon with AWD handling
Subaru IMPREZA XV 2014
Compact SUV with grip
Mercedes-Benz A180 2014
Luxury hatch with smart design
Suzuki SWIFT 2019
Reliable and economical hatch
Why CarPow
Works for You
We’re here to make car finance easy. From $0 deposit options to real human help, every step is designed to be fast, simple, and right for you.
All applications subject to responsible lending criteria. Terms and conditions apply.
APPLY NOW