At Car Finance 2U we operate across the whole spread of New Zealand and so our customers tend to be a great representation of typical credit ratings in the current climate. With those that find their profile isn’t quite good enough to either get accepted for one of our bad credit car loans or get the lowest repayment rates, we offer several guides on the subject of what often needs to be done to improve your credit rating.

In the office at CF2U we speak to high numbers of customers every single week from all over the country and so we fully understand the difficulties faced with getting approved for a NZ Car Loan when you have a bad credit rating. It can be tough to meet the majority of lenders criteria when it comes to borrowing ,but all is not lost as there are many things you can do to improve your credit score.

Our time and experience in the car loans market has given us great knowledge for the reasons that applicants get declined and also the small changes that can be made to ensure the next time an application is made for a car loan it ends up being approved.

Our team have compiled some great advice in the guides on credit matters for these common factors that cause customers to drop below the acceptance level so please check them out.

Declined car loans due to affordability

Declined car loans due to type of vehicle

Declined car loans due to bad credit

Declined car loans due to your age

Declined car loans due to learners licence