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Car Loans NZ Cars Dealers With Better Car Loans Prices in NZ Getting a Car dealer with better Car Loans prices in nz is easy for New Zealanders who have a stable job and income, but it can be more difficult for migrants to get approved. It is important to make reasonable requirements into a migrant's spending habits and ensure that their monthly income can cover repayments before offering a loan. If the loan is not able to be serviced, the lender may exercise their right to repossess the vehicle. However, there are lenders who are willing to offer car finance to migrants without a credit history or cosigner.