Here at NZCU Baywide, we believe that every Kiwi deserves to live their best financial life. Even if your credit score isn’t in great shape. That’s why we consider each application for a loan on its individual merits. So yes, you can still apply for car finance if you have a low credit score.
When we review your application, we take into account your current financial situation, including factors such as your financial profile, credit history, and your capacity to repay the loan. Why not find out if we can help you with a car loan by filling out our online loan affordability check?
Once complete, we can walk you through your options.
If you’re still unsure, please contact our team on 0800 229 943 and they’ll help you out.
Please Note: Applicants must not be currently bankrupt or entered into a NAP (No Asset Procedure). A lower credit score may also affect the final interest rate as well as the amount you can borrow.
You may find the answer on one of the pages below:
If you have not found your answer, please feel free to contact us.