Bad Credit Finance
Past credit issues don't have to stop you getting a vehicle. We work with specialist lenders who look at the full picture.
No Judgement
We've Seen It All
Defaults, missed payments, debt consolidation, discharged bankruptcy — whatever has happened in the past, it doesn't define your future. We've helped people in every credit situation get into reliable vehicles.
Our approach is simple: we listen to your story, understand your current situation, and match you with a lender who can help. No judgement, no lecture — just practical solutions.
The Process
How We Make It Work
Honest Conversation
Tell us about your situation. The more we know, the better we can match you with the right lender.
Specialist Lenders
We work with lenders who specialise in non-standard credit. They assess the full picture, not just a credit score.
Realistic Options
We'll present honest options — the rate, the term, the repayments. No surprises, no hidden costs.
Get on the Road
Once approved, choose from our showroom or tell us what you need. We handle all the paperwork.
Good to Know
What Lenders Look At
Current Income
Stable employment and regular income are the biggest factors. Lenders want to see you can afford the repayments.
Time Since Issues
The longer since your credit issues, the better. Most lenders look more favourably at issues older than 2 years.
Deposit Size
A larger deposit reduces the lender's risk and can significantly improve your approval chances and rate.
Living Stability
Time at your current address and employment shows stability that lenders value.
Loan Amount
A realistic loan amount relative to your income makes approval more likely.
Your Story
Context matters. If you can explain what happened and show things have changed, it helps.
Tips
Improve Your Position
- Save for a deposit — even $1,000-$2,000 makes a real difference to your approval chances.
- Check your credit file at mycreditfile.co.nz — correct any errors before applying.
- Pay off any small outstanding debts if you can — it shows good faith.
- Gather your pay slips and bank statements — lenders want to see consistent income.
- Be upfront about your credit history — surprises during the application process slow things down.
- Choose a realistic vehicle price relative to your income — this improves approval odds significantly.
Common Questions
Bad Credit Finance FAQ
Ready to Talk?
A 5-minute phone call is all it takes to get an honest assessment of your options. No credit check, no obligation, no judgement.