Car Finance 2U Bad credit car loan Apply

Poor credit Car Finance options

Since 2008 the world has been fixed on words such as ‘Sub prime’ and Adverse credit but the effects have been felt in all sectors of personal credit – including Mortgages, Loans and especially Car Finance or Leasing.¬† When it comes to looking to get any type of finance when you are aware that your credit profile isn’t the best its always sensible to place your business with a company that can actually assist in your search and not someone who will waste your time. At Car Finance 2U we have a variety of ¬†Car Loan for Bad Credit¬†lenders that we work alongside who can still offer funding to customers that other mainstream finance houses might have declined or turned away. The application procedure is the same and can be carried out over email as opposed to face to face making it quick and simple. Depending on your situation you can usually still drive the vehicle of you choice from the dealership you prefer but we will always look to offer our customers with bad credit a number of options to choose from.

Pre Approved Car Finance - Any car you want!

Online Applications – Get Accepted in only 1 hour

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Whichever route to puprchasing your new vehicle you take you can be assured that CarFinance2U will be here every step of the way to make sure you have a hassle free experience right through to driving away in your motor.

    • Instant Decisions for most Poor credit Car Finance applications
    • Get Approved even if already declined
    • Choose your own car from any NZ dealership with a Bad Credit Car Loan
    • Own your car outright at the end with no final payments
    • Early settlement or part exchange is no problem
    • Contracts of 6 – 60 months in length
    • Low or No Deposit Car Finance available


It’s as easy as filling in a two minute form so why delay?

How do I obtain a car finance quote?
If you have a vehicle and need to work out how much it will cost you with a car finance plan you can use the simple calculator on the side of this page. If you need any assistance please feel free to give us a call or to request a callback.
How do I apply for Car Finance?
To start the process off all we need from you is to complete the online application form and thats it! We may require some additional items such as identification or proof of income but this isn’t needed to get pre-approved.
How much can I borrow for my car?
With many of our lenders we can advance upto $50,000 with specialist funders able to go upto $200,000.
How old do I have to be to apply?
You will need to be at least 18 years old to be considered for car finance.
How Long will it take for a decision on finance?
Decisions can be reached within one hour and usually take no longer than 24 hours.
Will I need a guarantor?
A Guarantor might be requested if your case is weak due to previous poor credit or a low credit score. Applicants who are under 21 can also be asked to provide a co-signatory on the case too.
How long will the car finance agreement be for?
The length of your finance plan will range from 6 months upto 5 years.
Once im happy with the quote how do I complete the deal?
All we need is the application to be completed and your proof of id and income sent to us via email, fax or post. All we then need are your signed finance documents and the funds can be transfered to the supplier of the car.
What else do I need to provide when applying?
When you are approved we will ask for you to scan or fax over proof of id in the form of passport and drivers licence along with two months proof of earnings.
How does the finance process work?
Once you are approved all that is needed for you to confirm the vehicle and the supplier and we will send your documents to sign and return – thats it!
Do I have to go to a particular garage for my car?
We are able to fund vehicles from any dealership along with private sales and even an auction purchase.
Do I need to pay a deposit?
It is possible to get approved with no deposit but it will depend on your credit profile amongst other factors.
I have Bad credit - can I still apply?
We aim to assist all of our customers and so even if you have already been declined for finance in the past or recently at a local dealership we will more than likely be able to help. Our panel of lenders includes several Sub Prime companies that will approve those with bad credit on their file so please don’t let this put you off.