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We appreciate that having "perfect" credit is not always attainable. It may be difficult to find a car loan in Nanaimo with a bank if you have bad credit. Finance companies in British Columbia often reject car loan applications because of this. Bad credit scores give banks an indication of money habits, generating an impression of what may be high-risk items to be lent to the consumer, which often determines the difficulty of obtaining a car loan with bad credit. Many very good consumers experience credit setbacks.