Looking for a new car but have bad credit? We cover most credit levels and aim to get you pre-approved within 2 hours! You must be 18 or over, a permanent NZ resident, not on a learner’s licence and have regular income of $500 p/w or more. Get in touch and let’s see what we can do for you. Sorry, no WINZ.


Fast Pre-Approval

Get ready to buy. It’s so easy with our simple online form and fast process. You could be pre-approved in under two hours! Even if you have bad credit from a past car loan, see if we can help by filling out the form now.

Apply online now

Second chance car loans

Bad credit or no credit? Here’s your second chance. We help all kinds of people find finance for a new or used car. By finding the right repayment terms for you, you can get a new car and start to rebuild your credit score.

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Your own personal interest rate

With over 12 years’ experience, we know how to get the best possible rates for bad credit car loans. We’ll tailor just the right deal for you. Use our loan repayment calculator to see how much yours would be.

Find out your weekly payments

Our process makes it easy!

01

You've found a car or you're looking for a car.

02

We get to know a bit about you, either by you filling out the online application, or talking one on one.

03

We find you the best loan possible to fill your needs and suit your circumstances.

04

You're ready to buy a car. So easy. What a dream!


What our customers are saying

"It has been a real pleasure dealing with Bluesky Finance, and I am so grateful for the loan, Tim made things so easy for me. A reliable car is so important to this family given my two eldest daughter's medical conditions, my granddaughter being in my care, and the reality that we live rural. You made the whole process so easy and dignified. It was really appreciated!"

-Nicky Newton

"Tim is a credit to Bluesky. Obliging and friendly. Would deal with him again in a heartbeat."

-Mark C

"Wow, best service ever. I applied for loan for a 2015 Ford Ranger and it was all sorted the same day. Very easy to sort, Blue Sky Finance go the distance for their customers. I fully recommend these people to anyone. In fact I did to my friend who bought a 2011 Chevy Camaro, a car he only dreamed he could get and yes they made his dream come true!"

-Trev