Here at Unity, 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 on its individual merits. So yes, you can still apply if you have a low credit score.
When we review your application, we take into account your current situation, including factors such as your credit history and your capacity to make repayments. Why not find out if we can help you with a car loan by filling out our online 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.
Try our vehicle loan calculator.