Find out how much you could borrow and what your monthly loan payments might look like
Quick answers about applying, rates, approvals, timing, trade-ins, credit and repayments.
Apply in minutes
Please complete our user-friendly online application form, which includes electronic authorisation for CarPow to receive your bank statements instantly (alternatively you can download and email). We then just need a clear picture of your driver’s licence.
Anything else can be confirmed over the phone if needed — such as balances on current finance, vehicle registrations, etc.
Common Question
Interest rates vary depending on several factors, such as credit score, loan term, and vehicle type. Our team will work with you to find the best interest rate available for your unique situation.
Each application is assessed on both your credit score and your ability to repay the loan. The higher the risk of the loan not being paid back, the higher the interest rate can be.
Rates can range from 8.95% up to 28.95% for serious credit issues. Already have a rate you want us to beat? Let us know!
Fast & Simple
Yes, applying online is the easiest and fastest way to get started with CarPow. Our technology-driven systems are designed to save you time and effort.
You can complete your application within minutes from your phone, tablet, or computer, with seamless ID verification and secure bank statement connectivity.
Skip the hassle of paperwork and waiting in line. Apply online today and take the first step toward your car loan.
Finance Experts
Yes, we are specialists in car finance, including helping customers with bad credit. If you’ve been rejected by a bank or dealership, don’t worry — we work with common-sense lenders who look at your full financial picture.
We believe past challenges shouldn’t define your ability to get a car loan. We match you with lenders who offer bad credit car loans to help you get back on the road and rebuild your credit.
Expect a fast, same-day decision — subject to affordability checks and responsible lending — so you can focus on finding your next car.
Common Question
Yes, we offer trade-in options to help make your upgrade more affordable. We’ll appraise your current vehicle and apply that value directly towards your new purchase.
Whether you’ve got a car, ute, or SUV – let us know what you’re working with and we’ll help maximise the value.
You’re Not a Number
Not at all. At CarPow, we look beyond the numbers. Your story matters — and so does your current situation. We help good people with all types of credit histories.
Backed by CarPow
Once approved, most of our customers are driving their new car within a few days. You get support from our team at every step – from finance to keys in hand.
My Car, My Way
Easy – tell us what it is, and we’ll help you check the vehicle and lock in finance. We’re flexible with private sales, dealerships, and nationwide options.
The Drive Fits You
Absolutely. Weekly, fortnightly, or monthly – you choose. We’ll build a plan that fits your life, not the other way around.
Got questions about approvals, rates, or deposits? Our team is ready to help.
Real stories from real customers. From fast finance to finding the perfect car — here's how we've helped Kiwis on their car journeys.
My experience has been amazing with CarPow Hamilton, I had Melanie guide me through everything. I applied one night and the next morning was accepted. Currently in the process of getting my new car hehe ⭐
I thank carpow they are really a excellent company and they do look after there customers and help you get a car. Thank you carpow your the best
Really quick and easy to deal with been with lots of different company, by far the best and easiest so far would highly recommend