About North West Car Group

North West Car Group is an FCA-authorised credit broker based in Kirkham, Lancashire. We specialise in arranging car finance for customers with CCJs, IVAs, defaults and adverse credit histories — backed by a panel of specialist UK lenders.

Meet the team

JW

Jay Williamson

Director

Jay leads North West Car Group, overseeing the lender panel, day-to-day operations and customer outcomes across the dealership.

Regulatory information

Legal entity: Kirkham Part Exchange Centre
Trading as: North West Car Group
FCA authorised: FCA FRN 954552 — verifiable on the FCA Register.
Registered office: Blackpool Road, Kirkham, PR4 2RE
Phone: 01772 971422
Email: enquiries@bad-credit-car.finance

Our story

Established in 2022, North West Car Group was founded to help drivers with non-prime credit histories access fair car finance through a panel of specialist UK lenders. We focus on customers other dealers and brokers turn away — applications are assessed on affordability and current circumstances, not just credit score.

We're not a lender — we're an FCA-authorised credit broker. That means we don't lend our own money; we match your application against our specialist panel and present you with the options that fit your circumstances. All decisions remain subject to status and affordability.

How we get paid

We act as a credit broker, not a lender. We may receive a commission from lenders for introducing you, which may vary by lender and product. The commission does not affect the amount you pay. You may request details of the exact commission amount we will receive at any time before you proceed.