Bad Credit Car Finance in Kirkham & Preston — CCJs & Defaults Considered

Apply in minutes. Soft-check friendly lenders, fast decisions, and bad-credit car finance tailored to you.

✅ Soft check available £0 deposit options Bad credit considered Benefits & self-employed OK

Apply for Vehicle Finance

Pop your details in below. We’ll match you to a lender. No pressure, no faff.

Full Name

Email Address

Mobile Number

e.g. 07xxx xxxxxx

Employment Status

Current Address

Monthly Income (GBP)

Deposit (GBP)

Vehicle Make, Model & Colour

Paste Link to Car (optional)

Additional Notes

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Bad Credit Car Finance — Fast, Friendly & Flexible

We help drivers across Kirkham, Preston, Blackpool, Fylde & the North West get on the road with affordable bad-credit car finance. Whether you’ve got missed payments, CCJs or you’re just starting to rebuild, we’ll try to help.

• Bad-credit car finance considered

• Soft search eligibility checks

• £0 deposit options

• Quick decisions

• PCP & HP available

• Part-exchange welcome

Representative Example*

Borrowing £6500 over 48 months with a representative 19.9% APR, fixed rate 10.3% p.a., deposit £500, monthly £173.75, total amount payable £8340.12. Subject to status. Terms & conditions apply. *Example only — your rate may differ.

FAQs

Bad credit car finance? Yes — we work with lenders who consider a range of histories including CCJs, defaults and arrangements.

Will you do a hard search? We can start with a soft check; we’ll always tell you before any hard search.

Documents needed? Photo ID, proof of address, and recent payslips or bank statements.

Regulatory info: Kirkham PX Centre acts as an Introducer (Appointed) Representative. We may introduce you to a limited number of finance providers and may receive a commission. You will not be charged a fee by us for this introduction. Finance is subject to status, 18+, UK residents only.