01772 971422
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Car finance with a CCJ Car finance with an IVA Car finance with defaults Missed payments and arrears Car finance on a DMP Refused elsewhere Self-employed Income from benefits No-deposit car finance Soft-search explained

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  3. Blackburn

Bad credit car finance for Blackburn drivers

Blackburn is about twenty-five miles east of our Kirkham forecourt, roughly thirty-five minutes along the M65, M6 and M55. Blackburn has no shortage of car dealers; people come to us for the specialist lender panel and because the car they are financing is real and on our forecourt.

Check my eligibility Directions to Kirkham
  • FCA-authorised credit brokerNot a lender · FRN 954552
  • No credit check until you say soSoft search only, no impact on your score
  • Real dealership in KirkhamBlackpool Road, PR4 2RE · open 7 days
  • Family-run, 30+ years in the tradeSpeak to the people who supply the car
  • Collect from KirkhamDelivery may be available
25 milesfrom Blackburn to our Kirkham forecourt
About 35 minby road, outside peak times
Collect from KirkhamDelivery may be available
7 daysMon–Sat 9am–6pm, Sun 10am–4pm

Bad credit car finance for people in Blackburn

Blackburn is a large working town with a broad mix of manufacturing, distribution, engineering and public sector employment, and the M65 makes commuting to Preston, Burnley and beyond routine. Plenty of households run tight budgets across bigger families, and a bruised credit file from a period of illness, a redundancy or a business that folded is not unusual. Being declined by a mainstream lender is often the moment people search for adverse-credit finance. With so many dealers in BB1 and BB2, the reason to travel to Kirkham is that we are a credit broker, not a lender, with a panel chosen for exactly those situations, subject to status.

CCJs, defaults, IVAs, missed payments and debt management plans may all be considered. We only run a soft-search eligibility check after we have spoken to you and you have agreed to it. A soft search does not affect your credit score and is not visible to other lenders. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.

Getting to us from Blackburn

Join the M65 westbound and follow it to its end at Junction 29 of the M6. Head north on the M6 to Junction 32, then take the M55 west to Junction 3. Follow the A585 towards Kirkham and turn onto the A583 Blackpool Road, where our forecourt is on the main road. The A59 through Samlesbury and Preston is an alternative.

Without a car

Northern services on the Colne to Blackpool South line run from Blackburn through Preston and call directly at Kirkham & Wesham, a short walk from the forecourt. Otherwise take any train to Preston and change.

Collection and delivery

Collection from Kirkham is always available. Delivery to BB1 and BB2 addresses may also be available, arranged once the finance is agreed, if the motorway run does not suit you.

Our only forecourt is at Blackpool Road, Kirkham, Preston PR4 2RE. We do not have a branch or office in Blackburn.

How it works

Three straightforward steps

No pressure at any point, and you are free to stop whenever you like. A hard credit search only ever happens at full application, and we will tell you before it does.

  1. Tell us where you stand

    A short form, about two minutes. Sending it does not run any credit check by itself and puts you under no obligation.

    No credit check at this stage

  2. We call you before anything is searched

    A person reads your enquiry and phones you. Only once you have agreed do we run a soft-search eligibility check with lenders on our panel who consider adverse credit. A soft search leaves no footprint and other lenders cannot see it.

    Invisible to other lenders

  3. We come back with honest options

    Real figures on real cars from our Kirkham forecourt, or a straight explanation if we cannot help right now. You choose whether to go ahead.

    Collect from Kirkham or ask about delivery
On the forecourt now

Cars available on finance

All in Kirkham, all with real photographs. Check eligibility with a car attached or start without one.

*Estimated monthly figures are illustrative, based on the representative example in the footer.

See every car on finance →

Local questions

Asked by Blackburn customers

More answers on the full FAQ page.

I have been turned down twice in Blackburn. Why would your lenders be any different?

Every lender has its own criteria, and being a credit broker, not a lender, means we can place your application with the one whose rules fit your history rather than trying the same door again. A previous decline does not decide the outcome elsewhere, although any offer remains subject to status and affordability.

I am self-employed in Blackburn and only have one year of accounts. Is that enough?

It may be. Some lenders on our panel will consider a single year of trading with bank statements to support it, subject to status and affordability, while others want two. We will tell you which is realistic before the application goes in, so there are no unnecessary searches on your file.

Can I do the whole thing from Blackburn and just come to collect?

Yes. Check your eligibility online, agree the car and the figures with us by phone, and once the lender has approved the finance, subject to affordability and final checks, either drive over on the M65 to collect from Blackpool Road or ask whether delivery to your address is available.

Soft search · no pressure

Blackburn to Kirkham is closer than you think

Tell us where you stand. It takes about two minutes, sending the form does not run a credit check by itself, and there is no obligation.

Check my eligibility 01772 971422
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.