The finance arm of a real Lancashire dealership
Bad Credit Car Finance is North West Car Group's specialist finance service — same forecourt, same team, focused on customers whose credit history needs a human look rather than an automated no.
Who we are
North West Car Group sells used cars from Blackpool Road in Kirkham, between Preston and Blackpool. Over the years we noticed the same story again and again: good people, steady income, bruised credit file — turned away by automated systems before anyone looked at their actual situation.
This site exists for exactly those customers. We work with lenders who specialise in adverse credit — CCJs, IVAs, defaults, missed payments — and we start every enquiry with a soft search that leaves no mark on your file.
How we work
- Soft search first. Know where you stand before anything touches your credit file.
- Honest numbers. If a payment doesn't fit your budget, we'll say so — an agreement that fails helps nobody.
- Real cars, real aftercare. Qualifying vehicles include our three-year aftercare package, honoured at the same forecourt you bought from.
The formal bit
MT Retail UK Limited, trading as North West Car Group. Registered in England & Wales, company number 14425932. Registered office: Blackpool Road, Kirkham, Preston, Lancashire, PR4 2RE. Authorised and regulated by the Financial Conduct Authority, firm reference number 954552. We are a credit broker, not a lender. You can verify our authorisation on the FCA register under firm reference 954552.
Blackpool Road, Kirkham, Preston PR4 2RE
Open Mon–Sat 9am–6pm, Sun 10am–4pm · 01772 971422 · enquiries@northwestcar.group
Come and see us — or start online
A soft-search eligibility check takes two minutes and won't affect your credit score.
Check my eligibility Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.