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Are you looking for bad credit car loan nz? Getting a car loan with bad credit can be tough. Generally it will be a lot harder to get approved and you need to be careful that you won’t get taken advantage of with high interest rates.If you have bad credit and are thinking of applying for a bad credit car loan nz get prepared as best you can before you apply. A finance company won’t want to see a history of missed payments, high debt or repossession.