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Bad credit car finance for Garstang drivers

Garstang and the villages around it are about fourteen miles north-east of our Kirkham forecourt, roughly half an hour by road via the M6 and M55 or across the Fylde on the A586. We regularly supply cars to PR3 households who cover serious mileage each year.

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
14 milesfrom Garstang to our Kirkham forecourt
About 30 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 Garstang

Garstang is a rural market town, and life in PR3 is measured in miles. Buses along the A6 are fine for Preston and Lancaster, but the surrounding villages, farms and small business parks depend entirely on cars, and annual mileages here are far higher than in town. That wears cars out faster and brings replacement forward, often at an inconvenient moment. Income in the area includes farming, agricultural contracting, self-employment and seasonal work, none of which produce the tidy monthly payslip lenders prefer. Our panel includes lenders who will consider self-employed and irregular income, 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 Garstang

Take the A6 south from Garstang to Broughton and join the M6 southbound at Junction 32, then immediately the M55 west. Leave at Junction 3 and follow the A585 towards Kirkham, turning onto the A583 Blackpool Road. Alternatively cross the Fylde on the A586 through St Michael's and Great Eccleston, then head south to Kirkham.

Without a car

Garstang has no railway station. Regular buses run along the A6 to Preston bus station; from Preston, Northern trains to Kirkham & Wesham take around ten minutes and the forecourt is a short walk from the station.

Collection and delivery

Collection from Kirkham is always available. For PR3 addresses, including the villages around Garstang, delivery may also be available and is 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 Garstang.

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 Garstang customers

More answers on the full FAQ page.

I farm near Garstang and my income comes in lumps through the year. Can that be used for car finance?

It can be considered. Lenders on our panel will look at accounts or tax calculations alongside bank statements, and some are comfortable with irregular income where the annual picture is sound. Any offer is subject to status and affordability, and we will tell you which documents will make the strongest case before the application goes in.

I do a lot of miles from Garstang. Does high mileage affect the finance?

The finance itself is based on the car's price and your circumstances, subject to affordability and lender approval, not on how far you will drive. Where it matters is choosing the right car, so tell us your annual mileage and we will point you towards vehicles on the forecourt that suit it.

Can I trade in my old car if it has high mileage?

Yes. Bring it to Kirkham and we will value it honestly on the day. A high-mileage part exchange may be worth less, but it still reduces the amount financed and can improve the monthly figure. The finance on the replacement remains subject to status and affordability.

Soft search · no pressure

Garstang 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.