Every application is treated with care, regardless of your past. We take time to understand your goals and give clear, tailored guidance from start to finish. That commitment to honest support has earned us thousands of five-star reviews and an “Excellent” Trustpilot rating from customers across New Zealand.

Since 2018, we’ve helped thousands of New Zealanders secure finance that fits their life — whatever their credit story. We’re proudly NZ-owned, with a local team that genuinely cares about matching you with the right vehicle and the right deal.

With hundreds of options available in Hamilton and even more through our Auckland and Christchurch hubs, you could be on the road the same day your finance is approved. Prefer us to come to you? We can arrange speedy delivery anywhere in Aotearoa.

From first questions to post-purchase support, our NZ-based team is here every day of the week. We keep things simple and stress-free, with guidance that’s straightforward and tailored to you.

Mechanical Breakdown Insurance (MBI): Helps cover unexpected mechanical or electrical repair costs.

Payment Protection Insurance (PPI): Can cover repayments if you can’t work due to illness, injury, or redundancy.

GAP Cover: Covers the difference between your insurer’s payout and your remaining loan if your car is written off or stolen.

Chat with your CarPow advisor about adding the cover that suits you — we’ll help you choose what’s appropriate for your situation.

The web is full of flashy claims — “guaranteed approvals”, “no issues for beneficiaries or work visas”, “we help everyone”. That noise makes it hard to know who’s legit. CarPow stands apart: we actually do what we say for customers with bad credit, and we back it up with real outcomes and real support.

Worried about being declined? You’re not alone. Many people with past defaults or a discharge delay applying because of previous experiences with banks or dealerships. We assess the full picture — not just a score — so applying is worth it, even with a tough credit history.

Customers often apply with providers who can’t deliver and end up discouraged. We hear it all the time: declined personal loans with their bank, awkward dealership visits, mixed messages. That cycle creates “application apathy”. Our job is to break it — with clear steps and honest answers from day one.

Bad credit car finance isn’t a slogan for us — it’s what we’re set up to do. We pair smart tech with specialists who understand complex credit, so more applications get a fair assessment. If we can help, we’ll show you how. If we can’t, we’ll say so quickly and respectfully.

It starts online, but it doesn’t end with a name and address. To assess affordability and find the right lender, we’ll ask for some details and recent bank statements. Skipping steps stalls progress — completing them helps us move faster toward an approval.

Responsible lending matters — especially with bad credit loans. Lenders need to see that a new car payment won’t put you under pressure. That’s why we request 3 full months of bank statements for all parties: they show income and expenses over 90 days so a lender can confirm the repayments are sustainable.

As a guide, most lenders want to see a clear surplus after existing commitments and living costs, before adding the new repayment. If affordability isn’t clear, the loan can’t (and shouldn’t) be approved.

Credit checks are part of a responsible assessment. A report helps us understand any past issues and which lender is the best fit. A tough credit file doesn’t automatically mean “no” — it just means we match you carefully to lenders who can consider your situation.

Yes. We’ve supported many customers with defaults, judgments and discharged bankruptcies into car finance that fits. Our team looks for practical options, explains them clearly, and helps you take the next step with confidence.

If you’re ready, start your application — it only takes a few minutes and could be the reset you need.