Rating based on 69 reviews

Aqua Cars

  • Car finance up to $20,000
  • Repayment up to 5 years

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Aqua Cars homepage
Author Aqua Cars. Screenshot of Aqua Cars website.
[Accessed March 6, 2023]

About Aqua Cars

Aqua Cars is a privately owned New Zealand financial and vehicle provider. Our company was founded back in 2006 and we originally operated under the name of Equity Cars.

Our experienced teams of financial providers are spread out over our beautiful island country and can be found in various locations, including Mangere, Henderson, Hamilton, and Wellington.

We care about our clients

At Aqua Cars we live by a people-based philosophy. With this philosophy we pay attention to our clients and their needs, we help them in every way we possibly can be it they need a long or short-term loan, and above all, we stand by them through both the good times and the bad.

Everything we do for our clients goes back to our commitment to our philosophy. In all honesty, our everyday purpose is to make the day of each and every one of our clients, by adding a personal touch to our services, being as helpful as possible, and offering our clients total finance and maintenance solutions. 

Aqua Cars Services

At Aqua Cars we aim to provide quality New Zealand car loans to locals – regardless of their credit history.

Every aspect of our services, from our loans to our customer services is delivered at the highest possible quality.

Bad credit? No problem

At Aqua Cars we aim to provide financial assistance to every single potential client. This includes providing bad credit loans to people who might have some blemishes on their credit records.

As a reputable vehicle finance provider in New Zealand, we know that a credit score is not everything. What sets us apart is that we have established certain key approval criteria that applicants need to meet in order to get approved for a loan.

This criterion includes your monthly income, current debt, monthly expenses, and of course the collateral that you can offer. If you meet this criterion in terms of the above, your chances of getting your loan application approved are very high.

Aqua Cars – Car loan

  • Loan Type Car finance
  • Loan Amount up to $20,000
  • Repayment 6 months to 5 years

Benefits of Aqua Cars

  • Apply with any credit history
  • Find the ideal car on our website
  • Tailored car loans

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Get an affordable car loan despite your bad credit record

Aqua Cars offer cheap car loans to people in need of vehicle financing in New Zealand.

These days in can be hard to find a reputable lender who will help you find a loan when you have a bad credit score and no asset to place as collateral on your loan. 

Competitive rates and fees

Additionally, we offer highly competitive rates in terms of interest – even for those with bad credit histories. There is no reason why one or two financial mistakes should lead to you not applying for a loan. Therefore, we offer competitive and car loans to all qualifying New Zealanders. 

More than just finance

Applying for a loan at Aqua Cars is a quick and easy process that can be done by anybody with access to the internet. They offer affordable loans and more than that, they offer support.

With Aqua Cars you will receive more than mere vehicle financing, you will also be able to get some additional perks and features that will help keep you on the road. These include:

  • The cost of your vehicle's registration
  • WOF check
  • Annual servicing
  • Three annual roadside assistance callouts through NZRA
  • Access to their accident helpline
  • A Revolving Credit drawdown facility for safety-related WOF repairs

Customer Reviews & Testimonials

Private vehicle financing requires a company that listens to its clients. Aqua Cars gets that right! They also offer easy online applications, as well as flexible repayments at amazing rates.

Allie O.
— Auckland —

Amazing interest rates coupled with easy online applications, an approval speed of a day and an extra two days for paying out, makes Aqua Cars one of the best in the business in my opinion.

Kaira L.
— Christchurch —

Happy to say my loan was approved in less than two days and paid out two days later. Love their interest rates and flexible repayments.

Zoe S.
— Rotorua —

Aqua Cars Contact

Physical Address

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday 09:00 – 14:00
  • Sunday – Closed