2nd Chance Car Finance
Trendy Cars

022 422 8662

30 Seconds

Finance Application

Get a Car finance with 0 Deposit -fit for you, even with bad credit.
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Got a Rough Credit?

For all things on wheels, we’ve got you covered. At Trendy Cars, we deliver expert loan advice. Fast access to the loan you need, confidence we’ve found the right option, and a hassle-free process—often sorted the same day.

Apply & Get Delivered.

Apply in minutes, and we’ll handle the rest. With big car yards in Auckland and service across NZ, we’re the smart choice for vehicle loans, even with bad credit. Ready to roll? Let’s go!

No Hardware Cost

Get Smart POS & EFTPOS

Zero Setup Fees

Get started quickly & easily.

No Upfront Payment

Pay $0 for EFTPOS & POS

Just $25 Weekly*

One simple price. (A 36-month contract applies. See T&Cs.)
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Apply for a Car loan
Trusted by hundreds of Kiwi customers

or Call Us 022 422 8662

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Step 1 of 2

Your Weekly Income+Benefit Above $650?*
Are You Working or on Benefit?*
Which License You Have?*
Lending Criteria Applied*

Apply online

Whether it's a car or UTE— whatever you need, getting started is quick, easy, and just a few minutes away.
Apply Here

Talk to the Team

Want to chat before diving in? Whether you have a few questions. we’re here and happy to help.
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Loan Calculator

Plan Your Payments

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Weekly Repayments
$112
Monthly Repayments
$484
Total Amount Repayable
$5,808

The repayment amounts shown include Establishment and Introducer fees totalling $495 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender.

Find out more about here.

How It Works

Kick things off online

Kick things off online

We'll be in touch.

You'll hear from us within 30 minutes (work hours).

We'll chat about what you need

and what matters most, so we know exactly what to look for.

We'll find your match.

We explore the lenders and find the right option for your needs, even with bad credit.

Loan sorted!

Once approved, your loan can be settled the same day—if everything’s good to go!
Like to know more?
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faqs

Have a question or two?

Have a question or two? Got questions? We’ve got answers! Being informed is important, and we’re here to help. Explore some of the most common questions below, or reach out to us anytime if there’s more you’d like to know.

Yes, absolutely! At Trendy Cars, we specialise in helping individuals with bad credit secure vehicle finance and loans. We believe everyone deserves reliable transport, and our team works hard to find the right loan option that suits your unique situation.

Our process is designed for speed and simplicity! You can kick things off with our 100% online application in just 3 minutes. You'll typically hear from us within 30 minutes during work hours, and once approved, your loan can often be settled the very same day, getting you on the road fast!

 

We offer finance for a wide range of vehicles to suit your needs! This includes cars, motorbikes, boats, caravans, and trucks. Whatever you need for wheels or water, we're here to help you get the right finance.

We have big car yards in Auckland where you can explore our wide selection of vehicles. While our primary yards are there, we proudly offer car finance and loans for individuals across New Zealand, including Bay of Plenty, Wellington, Christchurch, Hamilton, Whangarei, Whanganui, Nelson, Napier, Palmerston North, and other locations. Our 100% online application means you can access our services from anywhere!