How to get car finance if you have had credit problems: Bad Credit Guide

Struggling with less-than-perfect credit? Bad credit car finance options by Enterprise Motor Group can help you get back on the road, providing opportunities to secure a vehicle despite financial challenges. Designed to support individuals with diverse credit histories, this solution makes it possible to drive away in a used car that suits your needs.

Bad Credit Car Finance in New Zealand

Do you still have bad credit? Are you on a benefit such as Working for Families or ACC? We can help!  In NZ, finding the right bad credit car finance is easier than ever. Whether you’re in Auckland or another part of the country, many lenders and dealerships specialise in bad credit car loans to help you overcome obstacles. These options make it possible to purchase a reliable vehicle while rebuilding your financial profile.

How our car finance works

When you apply for bad credit car finance with Enterprise Motor Group we promise to treat you like an individual and not just a number.
We know that people can have hiccups with their credit and we know everyone’s circumstances are different. That’s why when you apply for a bad credit car loan with us we look at more than just your credit rating! You can find out more about our fast easy finance options here.

Guaranteed Support for Every Buyer

Even with really bad credit we can help you find car finance in NZ. You can buy a car on finance with bad credit through Enterprise Motor Group, we specialise in offering the best car finance for bad credit, ensuring a pathway to car ownership for all.

Explore bad credit car finance options in NZ today and take the first step toward driving your dream car!

Get Your Car Finance

Frequently Asked Questions for Bad Credit Car Finance

Do my defaults have to be paid off?

If you have finished paying off your previous bad credit, that is a definite positive toward your car loan application. In saying that, as long as you are currently making payments to an existing credit problem, we may still be able to help you. So give our friendly team of finance experts a call today.

I am on a benefit - can you help?

If you receive Working For Families, Tax Credits, ACC or another similar benefit, then definitely talk to us! While we can't guarantee you finance, it is our promise that we do not discriminate against people on a benefit.

Get a Pre-Approved Bad Credit Car Loan Now!

The first step to getting approved is easy, you can fill out our quick online application

Get Your Car Finance Now

Prefer to speak to a person for real?

You can ring your closest Enterprise Branch - you can find their numbers here. Or you can simply pop in and see us at one of our four locations in Auckland, Hamilton and Gisborne. Don’t worry, we offer the same stress free bad credit car finance services at all our dealerships.

Find Your Nearest Enterprise Cars Branch

Not sure if you have bad credit?

Did you know that you can request a copy of your credit file for free! The easiest way to find out if you have bad credit or not is to check. New Zealand has three credit agencies that hold information about your personal credit, the biggest of these is Veda. You can apply for your free Veda credit report here http://mycreditfile.co.nz/compare-our-products 

Learn more about how your credit score effects car finance by reading our blog good credit counts for car loans and more.