Get Approved. Pick the Car You Want.

Fast, simple car finance from trusted NZ dealers — apply online and drive away with confidence.

  • ✔ No deposit options
  • ✔ 5-minute application
  • ✔ Secure online portal
Apply now
Trustpilot

Competitive rates from 10.95% p.a. T&Cs apply.

CarPow — apply from any device
NZ-based support
Bank-grade encryption
Trusted NZ dealers
Apply now

CarPow Vehicle Finance

We’ll Guide You Through Your Finance Journey

Our specialist team combines real people with smart tech to connect you to a lender that suits your situation—keeping car finance straightforward, quick, and tailored to you.

Begin My Application
Friendly CarPow finance support
NZ-based support
Bank-grade encryption
Trusted NZ dealers
Apply now
CarPow Cars

Smart Cars. Flexible Finance. One Seamless Experience.

  • Same-day pre-approval with clear, upfront rates.
  • $0 deposit options and weekly payment plans.
  • Not sure what you want? We’ll do the leg-work and match cars to your needs and budget.
Browse Cars Get Pre-Approved
Hand-Picked Vehicles
Curated cars that meet our quality, safety, and value standards—ready for test drives and delivery.
Fast, Online Approvals
Apply in minutes and get a decision fast. No paperwork, no pressure—just straight answers.
$0 Deposit Options
Kick things off without a lump sum. We’ll tailor weekly payments to suit your budget.
Concierge Car Match
Tell us your needs and budget — we’ll source the right options and save you hours of searching.
Transparent Rates
Clear pricing, fixed-rate options, and no surprises—so you can choose with confidence.
Get It Now — Upgrade Later
When you’re ready to change, we’ll help with upgrades, resale, and timing around payouts.
⭐ Real Reviews from Real People — See Why Thousands Choose CarPow!
Trustpilot

POWERED BY CARPOW

Your Next Car in 4 Simple Steps

With our smart finance platform, the buying process is quick and stress-free. Follow the steps below and you’ll be on the road before you know it.

Step 1 — Apply online for approval
Complete the quick online application and receive approval in principle the same day.
Get Approved
1
Explore tailored quotes on 200+ vehicles, or enter the rego of the car you already love.
Choose Your Car
2
Step 3 — Sign your documents online
Review the details and e-sign your finance and insurance documents from any device.
Sign Documents
3
Once signed, we’ll finalise everything—then it’s keys in hand and you’re away.
Drive Away
4
 

ANY DEVICE • ANYTIME • ANYWHERE

Lock In Your Finance & Choose the Car That Fits

Apply from your phone, tablet, or laptop—whenever it suits. CarPow connects you with trusted NZ dealers so you can browse, compare, and line up your next vehicle without leaving home.

Submit your details in minutes, get a quick decision, and hit the road sooner.

Begin My Application

Car Finance Made Simple

Fast, Flexible Car Loans That Work for You

  • ✅ Quick online quote — no pressure, no commitment
  • ✅ Competitive rates based on your credit profile
  • ✅ Lightning-fast approvals
  • ✅ Friendly NZ-based support team
  • ✅ Access to trusted vehicles and dealerships

Already picked your dream car? Use our simple quote tool to check your finance options today.

How CarPow Finance Works

We know everyone’s situation is different. That’s why CarPow looks at more than just your credit score — we focus on what really matters right now. Here’s how we make fair finance decisions:

💰 Affordability Comes First

What matters most is whether repayments fit your budget today. We focus on your current affordability, not mistakes from years ago.

🏦 Your Banking Habits Matter

Regular transactions and no dishonoured payments show responsibility — and can improve your approval odds even with imperfect credit.

📉 Not All Credit Is Created Equal

Missing a small bill isn’t the same as defaulting on a loan. We take context seriously — every application is reviewed fairly and individually.

🤝 Real People, Real Support

You’ll work with a friendly team who actually listens. Our goal is to help you move forward — no judgement, just honest support and smarter finance options.

Why CarPow?

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.

Compare