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

Finance

Available cars Finance calculator Areas we serve Car finance guides

Credit situations

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

The dealership

About North West Car Group Contact and directions FAQs

Or call the dealership: 01772 971422
Mon–Sat 9am–6pm, Sun 10am–4pm

  1. Home
  2. Areas we serve
  3. Chorley

Bad credit car finance for Chorley drivers

Chorley is around twenty-two miles from our Kirkham forecourt, about thirty-five minutes by motorway via the M61, M6 and M55. It is a comfortable drive and a common one, because Chorley households often want a specialist lender panel that the dealers on their own doorstep do not offer.

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
22 milesfrom Chorley 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 Chorley

Chorley is a motorway commuter town. The M61 and M6 put Preston, Bolton, Wigan and Manchester within reach, and estates like Buckshaw Village were built on the assumption that everyone drives. There is also plenty of shift work in distribution and logistics along the motorway corridor, where a train timetable is no use at 5am. The credit issues we see from PR6 and PR7 often trace back to a house move or a new-build purchase, when a forgotten bill or a stretched month left a mark. Those situations may be considered, subject to status and affordability.

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 Chorley

From Chorley join the M61 northbound and follow it to its end at Junction 30 of the M6. Continue north on the M6 to Junction 32, then take the M55 west. Leave at Junction 3, follow the A585 towards Kirkham and turn onto the A583 Blackpool Road, where our forecourt is on the main road.

Without a car

Northern trains run from Chorley to Preston in around fifteen minutes. Change at Preston for a Northern service to Kirkham & Wesham, which is a short walk from the forecourt.

Collection and delivery

Collection from Kirkham is always available and is a straightforward motorway run from Chorley. Delivery to PR6 and PR7 addresses 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 Chorley.

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 Chorley customers

More answers on the full FAQ page.

I have just moved to Buckshaw Village and my credit file has an old default. Will you consider me?

A default that is a few years old, particularly if it is settled, may well be considered by lenders on our panel, subject to status and affordability. A recent move can make address history harder to verify, so bring proof of your new address and something showing your previous one.

Is there any point coming to Kirkham from Chorley when there are dealers closer to home?

The reason people make the trip is that we combine a real forecourt of cars with a panel of lenders that considers adverse credit, subject to status. If you have already been declined locally, a credit broker, not a lender, can place the same application with a lender whose criteria fit you better.

I commute on the M61 every day. Can I get finance on a car that will cope with that mileage?

Yes, we can help you choose a car suited to motorway mileage, and the finance side is subject to affordability and lender approval in the usual way. Tell us your annual mileage and monthly budget and we will match you with suitable vehicles on the Kirkham forecourt.

Soft search · no pressure

Chorley 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.