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Second Chance Finance

Bad Credit Car Loans

This is a flexible secured loan product for those with bad credit ratings or difficult applications.

Perhaps you’re new to New Zealand, or forgot to pay off your credit card, maybe missed some repayments, you’ve been bankrupt, or just unlucky.

Sure, some people deserve another chance but a careful assessment is done before the finance company will take that risk.

Many applicants reading this may already have been declined or knocked back elsewhere. If this is the case don’t despair. We have unbiased and experienced consultants with specialist training for these 2nd chance scenarios.

Although being secured on your purchase, interest rates for this 2nd chance product are generally higher than all other types of finance, which relates to the level of risk.

Use our car loan calculator for a look at your possible monthly repayments.

The very last chance?

Been rejected by everyone? No-one will listen to your story? Your credit rating is scaring everybody away? We may have an answer.

You require expert advice on your particular situation. You can call or contact our finance experts who will be able to listen to your situation and might work out a solution and package to obtain a suitable finance arrangement for your needs. Call 0800 008888 or email us to find out more.