01772 971422
Bad Credit Car Finance by North West Car Group 01772 971422 Check my eligibility
Check my eligibility — soft search

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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. Bolton

Bad credit car finance for Bolton, from Kirkham

Bolton is not local to us. Our only forecourt is in Kirkham, Lancashire, about thirty-six miles and forty-five minutes away by the M61, M6 and M55. Bolton customers deal with us remotely: check eligibility online, agree the car and the figures by phone, then collect from Kirkham or arrange delivery.

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
36 milesfrom Bolton to our Kirkham forecourt
About 45 minby road, outside peak times
Collect or deliverDelivery may be available to BL1, BL2, BL3
7 daysMon–Sat 9am–6pm, Sun 10am–4pm

Bad credit car finance for people in Bolton

Bolton is a large town with a full spread of car dealers, so nobody in BL1, BL2 or BL3 comes to Kirkham for convenience. They come because the finance has been the sticking point. Bolton's economy mixes manufacturing, distribution, retail and the public sector, and the M61 carries thousands of commuters into Manchester every day, so a car is essential for most working households. Where an application has been declined locally, our value is a panel of lenders that considers adverse credit, subject to status and affordability, plus a real car on a real forecourt that we describe honestly by phone and photograph properly before you commit.

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 Bolton

If you are collecting, join the M61 northbound at Bolton and follow it to Junction 30 of the M6. Head north on the M6 to Junction 32 and take the M55 west. Leave at Junction 3, follow the A585 towards Kirkham and turn onto the A583 Blackpool Road. Our forecourt is on the main road.

Without a car

Northern trains run from Bolton to Preston. Change at Preston for a Northern service to Kirkham & Wesham, which is a short walk from the forecourt. Allow around an hour and a half door to door.

Collection and delivery

Collection from Kirkham is always available and is one motorway run from Bolton. Because of the distance, delivery to BL1, BL2 and BL3 addresses may be available and is discussed when the finance is agreed.

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

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 Bolton customers

More answers on the full FAQ page.

How does buying from you work if I am in Bolton and cannot easily get to Kirkham?

Start with the online eligibility check. We call you, discuss the cars on our forecourt that fit the figures, and send photographs and a walk-round description. Once the lender has approved the finance, subject to status and affordability, you collect from Kirkham or we discuss whether delivery to Bolton is available.

Can I see the car before I commit if I am buying from a distance?

Yes, and we would encourage it. You can travel up to Kirkham to view and drive the car before signing anything, or we can send detailed photographs and a video. Your rights on a distance sale are explained in the paperwork. The finance remains subject to affordability and lender approval.

I have a default from a catalogue account in Bolton. Will your lenders still look at me?

A catalogue or store card default is common on a credit file and does not rule you out. Lenders on our panel may consider it, particularly if it is settled or a few years old, subject to status and affordability. We are a credit broker, not a lender, and we place your application where it has the best fit.

Soft search · no pressure

Sort it from Bolton, collect from Kirkham

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.