How to get car finance if you have had credit problems

Do you still have bad credit? Are you on a benefit such as Working for Families or ACC? We can help!

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!

Apply For Car Finance

Frequently Asked Questions

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.

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

Click here to apply for Bad Credit Car Finance

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.

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.