Poor / Bad Credit Car Loans

Poor / Bad Credit Car Loans

Time To Buy A New Car?

Discover Your Vehicle Loans Options With Ease

Securing a bad credit car loan with guaranteed approval in NZ can be challenging. Many lenders are hesitant to extend loans to individuals with low credit scores, making the process daunting. That’s where Link Finance steps in. We specialize in providing financing options tailored to individuals with all credit scores, including those with bad credit in New Zealand.

For any queries, feel free to contact our team at 0800-1177-86. Your next adventure awaits!

Here are the key advantages of obtaining a car loan for poor credit through Link Finance:

With our expertise in bad credit car loans guaranteed approval in NZ. Moreover, Our extensive network of lenders connects you with institutions willing to offer loans to people with low credit scores, enabling you to secure the financing you need to purchase the car of your choice.

  • Flexible Repayment Terms: We offer flexible repayment terms tailored to your circumstances. Whether you prefer a shorter or extended repayment period, we provide loan terms that align with your budgetary requirements.
  • Competitive Interest Rates: Our poor credit car loans feature competitive interest rates, enabling you to save money over the duration of your loan. We collaborate with a network of lenders to secure the best possible rates based on your credit score and financial situation.
  • Convenient Online Application: Our online application process is quick and straightforward, allowing you to apply conveniently from home. Complete our online form, and we will handle the rest. You can expect a decision within hours, empowering you to shop for your car confidently.
  • Transparent Fee Structure: We are committed to transparency regarding our fees, ensuring you understand all associated costs when obtaining a bad credit car loan through our platform. You can rest assured that there are no hidden fees or surprises, enabling you to budget confidently.

Valid Driver Licence

Proof of Address

Bank Statement

Who can apply?

Eligibility To Qualify For a Loan:

There are a few minimum requirements you need to meet for bad credit car loans guaranteed approval nz.

You must be 18 years of age or older.

You must be a New Zealand citizen/resident or hold a valid New Zealand work or student visa.

You must possess a New Zealand(Learner-Restricted-Full) or international/overseas driver’s license.

Your annual income should be over $30,000 (before tax).

How Much Would You Like To Borrow?

Apply Now

Loan Amount

For How Long

Repayments From


$46,965 Total


Total $46,850


Calulated At An Example Rate

What You Can Expect From Link Finance

Who Can Apply For Finance?

We Make Loan Easy

Crafting A Personalized Loan Just For You.

Get Competitive Fixed Rate

Fill out the application form online and attach the required documentation and submit.

Pay At Your Pace

Flexible loan options spanning up to 5 years, with the freedom to make payments weekly, fortnightly, or monthly to suit your needs.

Fast And Efficient Service

Experience the simplicity of our user-friendly online application and approval process.

Our Rates And Fees

We believe in flexibility, offering tailored solutions without fixed fees or rates. Whether it's a short-term Bridging loan, Debt consolidation, Car Loan and Business loan, we have the right loan to match your unique needs.

Interest Rate Range

11.95% - 22.95%

Loan Limits

$2000 - $100,000

Loan Terms

1 Year - 5 Years