01772 971422
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Bad credit car finance for Blackpool drivers

Blackpool is ten miles west of our Kirkham forecourt along the A583, so we are the closest thing many Blackpool households have to a specialist adverse-credit dealer with a real stock of cars. From South Shore, Layton, Marton or Bispham it is roughly twenty minutes by road.

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
10 milesfrom Blackpool to our Kirkham forecourt
About 20 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 Blackpool

Blackpool's economy runs on hotels, attractions, hospitality and care, and a lot of that work is seasonal or shift based. Income that rises in summer and dips in January is normal here, and it can leave a credit file with a late payment or two even when the household is doing fine. The trams and buses serve the promenade well, but Blackpool Victoria Hospital, the business parks at Whitehills and Squires Gate, and jobs out on the Fylde all need a car, especially for early and late shifts. Our lenders look at affordability across the year, not one month's payslip, 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 Blackpool

Take the A583 Preston New Road east out of Blackpool, past Peel and Westby, and it brings you straight into Kirkham with our forecourt on Blackpool Road. From Bispham or the north of town, join the M55 at Junction 4, leave at Junction 3 and follow the A585 south to the A583, turning towards Kirkham.

Without a car

Northern trains from Blackpool North and Blackpool South both call at Kirkham & Wesham, a short walk from the forecourt. Stagecoach service 61 runs from Blackpool through Kirkham to Preston. Blackpool Transport buses and trams connect to both stations.

Collection and delivery

Collection from Kirkham is straightforward from Blackpool and most customers prefer to see the car first. Delivery to FY1 to FY4 postcodes may also be available, arranged once the finance is agreed.

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

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 Blackpool customers

More answers on the full FAQ page.

My income is seasonal because I work in Blackpool's tourist trade. Will a lender consider that?

Some will, subject to status and affordability. Lenders on our panel are used to seasonal and variable income from the Fylde coast. Bank statements covering a full year, or a mix of summer and winter payslips, show the true picture. As a credit broker, not a lender, we place the application with the lender most likely to suit that pattern.

I have a payday loan showing on my file. Does that stop me getting car finance in Blackpool?

Not necessarily. Recent short-term borrowing does make some lenders cautious, but others on our panel will consider it, particularly if the loan is settled and your current outgoings leave room for the payment. We will tell you honestly which options are realistic. Any approval is subject to status and affordability.

Do you have cars on site in Kirkham, or is it all online?

We have a real forecourt on Blackpool Road in Kirkham with cars you can view and drive, and we sell them ourselves. The finance is arranged through our lender panel, subject to affordability and lender approval. Qualifying vehicles come with an aftercare package, which we explain before you commit to anything.

Soft search · no pressure

Blackpool 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.